Novato, CA · Cert 32743
FDIC
Q3 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2012, the quarter ended September 30, 2012, 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.
Novato, CA · Cert 32743
FDIC
Q3 2012
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 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.76% | 0.75% | 0.72% | 0.71% | 0.72% | 0.57% | 0.64% | 0.68% | -3 bps | |
| Return on Equity | 10.02% | 9.47% | 9.08% | 9.07% | 9.18% | 7.34% | 8.21% | 8.71% | -35 bps | |
| Net Interest Margin | 4.53% | 4.74% | 4.73% | 4.62% | 4.46% | 4.47% | 4.46% | 4.37% | -26 bps | |
| Efficiency Ratio | 67.63% | 70.53% | 73.89% | 74.09% | 73.69% | 75.88% | 75.02% | 73.97% | -13 bps | |
| Non-Interest Burden | 2.99% | 3.24% | 3.40% | 3.34% | 3.20% | 3.36% | 3.31% | 3.17% | -17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.75% | 8.39% | -0.52% | -0.16% | 5.20% | 4.80% | 5.47% | 3.42% | +358 bps | |
| Loan Growth (YoY) | 7.37% | 8.23% | 0.75% | 0.03% | -0.97% | 2.28% | 4.43% | 4.84% | +481 bps | |
| Deposit Growth (YoY) | 7.58% | 3.92% | -1.36% | -0.56% | 8.08% | 7.30% | 8.36% | 5.36% | +591 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 | 0.10% | 0.09% | 0.05% | 0.04% | 0.03% | 0.14% | 0.06% | 0.12% | +8 bps | |
| Allowance / Loans | 1.58% | 1.64% | 1.65% | 1.68% | 1.68% | 1.65% | 1.62% | 1.58% | -10 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 | 12.81% | 12.64% | 12.68% | 12.45% | 13.07% | 12.64% | 12.34% | 12.34% | -11 bps | |
| Equity / Assets | 8.03% | 7.79% | 7.83% | 7.63% | 7.77% | 7.77% | 7.75% | 7.75% | +11 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 114.18% | 111.89% | 111.01% | 105.95% | 104.63% | 106.65% | 106.98% | 105.43% | -52 bps | |
| Liquid Assets / Assets | 9.04% | 11.32% | 10.91% | 1.90% | 14.05% | 12.66% | 12.09% | 10.77% | +887 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |