San Francisco, CA · Cert 32469
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 32469
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 | 1.08% | 0.19% | 0.28% | 0.21% | -0.42% | -3.22% | -5.62% | -11.46% | -1,167 bps | |
| Return on Equity | 10.40% | 1.85% | 2.66% | 1.99% | -3.95% | -28.29% | -52.42% | -127.10% | -12,909 bps | |
| Net Interest Margin | 3.05% | 2.89% | 2.86% | 2.86% | 2.66% | 2.19% | 2.20% | 2.41% | -45 bps | |
| Efficiency Ratio | 43.94% | 49.34% | 47.01% | 47.75% | 51.83% | 92.74% | 89.19% | 93.68% | +4,593 bps | |
| Non-Interest Burden | 1.20% | 1.36% | 1.26% | 1.28% | 1.28% | 2.06% | 1.99% | 6.96% | +567 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.13% | 23.64% | 8.17% | 8.57% | 4.85% | -3.14% | -10.47% | -23.24% | -3,181 bps | |
| Loan Growth (YoY) | 18.16% | 18.34% | 14.25% | 12.37% | 8.26% | 0.43% | -7.48% | -13.09% | -2,546 bps | |
| Deposit Growth (YoY) | 5.64% | 9.45% | 12.46% | 14.63% | 22.06% | 16.12% | 3.19% | -10.78% | -2,541 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 | 0.12% | 0.59% | 0.89% | 1.05% | 1.31% | 6.28% | 13.94% | 9.71% | +866 bps | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| 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 | 10.80% | 11.20% | 12.10% | 11.82% | 14.24% | 13.36% | 7.92% | 5.91% | -590 bps | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 120.42% | 118.24% | 113.17% | 113.99% | 106.81% | 102.27% | 101.47% | 111.05% | -294 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 2.74% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |