Tracy, CA · Cert 32148
FDIC
Q4 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.45% | -17.33% | -0.60% | -0.77% | -13.37% | -1,192 bps | |
| Return on Equity | -16.07% | -223% | -8.54% | -9.90% | -236% | -21,999 bps | |
| Net Interest Margin | 2.50% | 1.85% | 2.27% | 1.58% | 0.50% | -199 bps | |
| Efficiency Ratio | 104.80% | 154.99% | 126.71% | 153.29% | 220% | +11,493 bps | |
| Non-Interest Burden | 2.69% | 11.95% | 3.25% | 2.78% | 2.21% | -47 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.62% | -0.01% | -26.01% | -22.26% | -22.43% | -3,005 bps | |
| Loan Growth (YoY) | -4.94% | -6.25% | -37.52% | -38.88% | -50.45% | -4,551 bps | |
| Deposit Growth (YoY) | 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 bps | |
| Net Charge-Offs / Loans | 0.03% | 9.18% | 2.17% | 4.71% | 58.42% | +5,840 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 10.85% | 8.44% | 10.42% | 8.32% | 5.61% | -524 bps | |
| Equity / Assets | 9.50% | 5.93% | 8.56% | 7.21% | 4.10% | -540 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 82.36% | 72.15% | 80.03% | 64.16% | 49.65% | -3,271 bps | |
| Liquid Assets / Assets | 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 |