San Francisco, CA · Cert 30006
FDIC
Q3 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2009, the quarter ended September 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.
San Francisco, CA · Cert 30006
FDIC
Q3 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 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.39% | 0.81% | 0.48% | -3.65% | -2.84% | 0.12% | -0.43% | -1.24% | +241 bps | |
| Return on Equity | n/a | 6.17% | 3.78% | -31.15% | -25.27% | 1.31% | -4.83% | -14.64% | +1,651 bps | |
| Net Interest Margin | 2.91% | 3.26% | 3.15% | 3.02% | 3.06% | 3.07% | 2.89% | 2.49% | -53 bps | |
| Efficiency Ratio | 77.72% | 58.33% | 61.59% | 59.71% | 64.20% | 57.29% | 66.34% | 69.63% | +992 bps | |
| Non-Interest Burden | 2.33% | 1.72% | 1.93% | 1.80% | 2.02% | 1.72% | 1.88% | 1.70% | -9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.64% | 27.84% | 43.63% | 47.71% | 29.74% | 12.84% | 10.87% | 15.31% | -3,240 bps | |
| Loan Growth (YoY) | 23.50% | 44.32% | 67.55% | 73.15% | 39.90% | 20.36% | 3.40% | -3.80% | -7,695 bps | |
| Deposit Growth (YoY) | 4.77% | -0.87% | 1.51% | 11.53% | 12.16% | 17.25% | 34.02% | 36.79% | +2,526 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 | 0.00% | 0.36% | 0.00% | 0.00% | 0.22% | 1.25% | 0.96% | 1.67% | +166 bps | |
| Allowance / Loans | 0.91% | 0.78% | 1.02% | 1.52% | 1.52% | 1.51% | 2.08% | 2.82% | +130 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 | 10.21% | 10.39% | 10.12% | 7.60% | 8.01% | 8.18% | 6.45% | 5.12% | -248 bps | |
| Equity / Assets | 13.31% | 12.98% | 12.29% | 8.96% | 9.50% | 9.21% | 8.30% | 7.19% | -178 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 96.89% | 119.86% | 135.64% | 132.50% | 120.86% | 123.05% | 104.65% | 93.18% | -3,932 bps | |
| Liquid Assets / Assets | 0.08% | 0.14% | 0.02% | 0.00% | 0.00% | 0.00% | 0.00% | 16.38% | +1,638 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |