Tracy, CA · Cert 32148
FDIC
Q4 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2009, the quarter ended December 31, 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.
Tracy, CA · Cert 32148
FDIC
Q4 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 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -4.88% | -2.59% | -5.09% | -4.15% | -17.33% | -10.03% | -7.07% | -8.52% | -437 bps | |
| Return on Equity | -42.51% | -21.95% | -46.56% | -39.05% | -223% | -125.98% | -90.76% | -120.06% | -8,101 bps | |
| Net Interest Margin | 3.12% | 2.95% | 2.42% | 2.44% | 1.85% | 2.47% | 2.16% | 1.53% | -92 bps | |
| Efficiency Ratio | 88.82% | 90.67% | 100.18% | 101.36% | 154.99% | 140.35% | 143.50% | 155.48% | +5,412 bps | |
| Non-Interest Burden | 2.78% | 2.69% | 2.47% | 2.53% | 11.95% | 10.28% | 7.73% | 5.55% | +303 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.70% | 1.57% | 13.21% | 7.62% | -0.01% | -26.01% | -22.26% | -22.43% | -3,005 bps | |
| Loan Growth (YoY) | -6.10% | 0.44% | -1.69% | -4.94% | -6.25% | -37.52% | -38.88% | -50.45% | -4,551 bps | |
| Deposit Growth (YoY) | 21.86% | 8.62% | 23.68% | 9.94% | 6.65% | -22.64% | -21.13% | -17.80% | -2,774 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 | 10.03% | 4.54% | 6.02% | 4.63% | 9.18% | 7.32% | 6.53% | 20.79% | +1,616 bps | |
| Allowance / Loans | 2.35% | 2.27% | 5.15% | 6.02% | 9.35% | 12.23% | 11.26% | 6.37% | +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 | 12.80% | 12.32% | 9.35% | 10.85% | 8.44% | 10.42% | 8.32% | 5.61% | -524 bps | |
| Equity / Assets | 11.60% | 12.51% | 8.52% | 9.50% | 5.93% | 8.56% | 7.21% | 4.10% | -540 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.07% | 99.09% | 82.80% | 82.36% | 72.15% | 80.03% | 64.16% | 49.65% | -3,271 bps | |
| Liquid Assets / Assets | 0.00% | 0.04% | 0.00% | 0.00% | 0.15% | 11.22% | 8.73% | 24.65% | +2,465 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |