Ventura, CA · Cert 27197
FDIC
Q2 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2009, the quarter ended June 30, 2009, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Ventura, CA · Cert 27197
FDIC
Q2 2009
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.22% | 0.02% | -0.33% | -1.78% | -1.43% | -3.15% | -1.26% | -6.75% | -497 bps | |
| Return on Equity | 3.14% | 0.29% | -4.72% | -25.83% | -21.11% | -51.01% | -33.66% | -247% | -22,095 bps | |
| Net Interest Margin | 2.65% | 2.60% | 2.82% | 2.89% | 2.78% | 2.35% | 2.37% | 2.00% | -89 bps | |
| Efficiency Ratio | 85.76% | 87.35% | 81.57% | 78.38% | 77.77% | 103.20% | 99.00% | 292% | +21,339 bps | |
| Non-Interest Burden | 2.26% | 2.28% | 2.29% | 2.26% | 2.17% | 2.44% | 2.36% | 3.83% | +157 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.24% | 7.68% | -2.43% | 3.37% | 4.80% | 4.28% | 4.85% | -1.64% | -500 bps | |
| Loan Growth (YoY) | 6.73% | 4.99% | 12.18% | 13.03% | 8.93% | 10.43% | -0.02% | -11.01% | -2,404 bps | |
| Deposit Growth (YoY) | 12.39% | 4.18% | -2.36% | 7.02% | 12.86% | 25.98% | 25.12% | 16.99% | +996 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.10% | 0.65% | 1.97% | 2.69% | 3.05% | 1.75% | 7.75% | +578 bps | |
| Allowance / Loans | 1.18% | 1.38% | 1.43% | 1.86% | 1.36% | 2.22% | 2.30% | 2.20% | +34 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 10.45% | 10.45% | 10.84% | 10.21% | 10.45% | 7.68% | 7.38% | 3.38% | -684 bps | |
| Equity / Assets | 6.72% | 6.80% | 7.32% | 6.54% | 6.44% | 3.84% | 3.65% | 0.68% | -587 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 115.74% | 120.69% | 128.51% | 120.58% | 111.71% | 105.80% | 102.69% | 91.72% | -2,886 bps | |
| Liquid Assets / Assets | 8.07% | 7.75% | 7.20% | 0.02% | 0.03% | 4.58% | 6.36% | 12.17% | +1,214 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |