Rialto, CA · Cert 32916
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.
Rialto, CA · Cert 32916
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 | 0.56% | 0.20% | 0.27% | -0.25% | -0.24% | 0.21% | 0.01% | 0.23% | +48 bps | |
| Return on Equity | 5.65% | 1.85% | 2.53% | -2.25% | -2.13% | 1.66% | 0.08% | 1.78% | +403 bps | |
| Net Interest Margin | 3.81% | 3.70% | 3.68% | 3.82% | 3.96% | 3.69% | 3.55% | 3.82% | +1 bps | |
| Efficiency Ratio | 74.81% | 82.37% | 78.59% | 87.98% | 90.72% | 86.68% | 92.60% | 86.39% | -160 bps | |
| Non-Interest Burden | 2.73% | 3.16% | 2.96% | 3.49% | 3.77% | 3.25% | 3.39% | 3.35% | -14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.41% | -9.86% | -6.82% | -15.90% | -15.43% | -12.53% | -19.29% | -11.59% | +431 bps | |
| Loan Growth (YoY) | -18.45% | -12.15% | -23.15% | -27.88% | 5.68% | -11.42% | -7.27% | 9.13% | +3,701 bps | |
| Deposit Growth (YoY) | -7.40% | -11.00% | -7.58% | -12.24% | -17.30% | -14.46% | -21.80% | -17.56% | -531 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 | 0.23% | 0.62% | 0.63% | 1.07% | 0.88% | 0.26% | 0.45% | 0.38% | -69 bps | |
| Allowance / Loans | 2.63% | 2.65% | 2.66% | 2.97% | 2.41% | 2.95% | 2.80% | 2.40% | -58 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 | 16.13% | 16.75% | 17.22% | 17.84% | 17.26% | 19.62% | 18.94% | 18.40% | +56 bps | |
| Equity / Assets | 10.46% | 10.98% | 11.17% | 11.59% | 12.41% | 12.57% | 13.68% | 13.43% | +185 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 70.23% | 71.73% | 69.56% | 71.60% | 89.74% | 74.27% | 82.49% | 94.78% | +2,318 bps | |
| Liquid Assets / Assets | 11.79% | 12.17% | 14.56% | 20.14% | 4.73% | 21.65% | 13.68% | 7.43% | -1,271 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |