Sonoma, CA · Cert 27259
FDIC
Q2 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2010, the quarter ended June 30, 2010, 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.
Sonoma, CA · Cert 27259
FDIC
Q2 2010
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 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.48% | 1.29% | 0.91% | -0.34% | -7.73% | -5.70% | -2.97% | -0.19% | +14 bps | |
| Return on Equity | 15.67% | 13.65% | 9.69% | -3.52% | -90.51% | -72.76% | -61.56% | -3.82% | -30 bps | |
| Net Interest Margin | 4.79% | 4.59% | 4.39% | 4.30% | 4.02% | 4.07% | 3.53% | 3.55% | -76 bps | |
| Efficiency Ratio | 51.33% | 50.82% | 57.88% | 56.36% | 55.91% | 54.61% | 120.80% | 48.76% | -759 bps | |
| Non-Interest Burden | 2.11% | 2.00% | 2.29% | 2.17% | 2.00% | 1.96% | 4.37% | 1.46% | -71 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.51% | 8.08% | 11.38% | 12.98% | 5.73% | 11.03% | 9.51% | -1.44% | -1,442 bps | |
| Loan Growth (YoY) | 5.95% | 6.77% | 11.02% | 11.68% | 2.74% | 1.43% | -5.37% | -11.64% | -2,332 bps | |
| Deposit Growth (YoY) | 8.15% | 7.63% | 13.14% | 8.78% | 16.75% | 14.80% | 2.79% | -4.08% | -1,286 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 | 0.20% | 0.30% | 0.89% | 0.90% | 10.61% | 8.51% | 3.80% | 3.98% | +308 bps | |
| Allowance / Loans | 1.58% | 1.88% | 1.80% | 3.02% | 4.73% | 4.82% | 4.71% | 4.84% | +182 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 | 11.40% | 11.32% | 11.29% | 11.86% | 6.40% | 6.36% | 5.44% | 6.59% | -527 bps | |
| Equity / Assets | 9.35% | 9.39% | 9.33% | 9.83% | 5.60% | 5.22% | 4.42% | 5.51% | -432 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 106.40% | 105.23% | 102.58% | 107.44% | 93.62% | 92.98% | 94.44% | 98.98% | -846 bps | |
| Liquid Assets / Assets | 9.08% | 8.02% | 7.08% | 9.04% | 10.49% | 11.71% | 15.04% | 14.59% | +555 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |