Redlands, CA · Cert 33025
FDIC
Q4 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2008, the quarter ended December 31, 2008, 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.
Redlands, CA · Cert 33025
FDIC
Q4 2008
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 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.53% | -0.66% | -1.02% | -3.28% | -6.41% | -793 bps | |
| Return on Equity | 15.79% | -7.45% | -12.27% | -45.73% | -106.88% | -12,268 bps | |
| Net Interest Margin | 4.57% | 3.93% | 3.64% | 2.77% | 2.28% | -230 bps | |
| Efficiency Ratio | 50.77% | 64.24% | 71.08% | 83.47% | 108.65% | +5,788 bps | |
| Non-Interest Burden | 2.02% | 2.30% | 2.43% | 2.24% | 2.53% | +50 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 25.14% | 24.63% | 28.84% | 42.17% | 15.80% | -934 bps | |
| Loan Growth (YoY) | 20.72% | 15.68% | 17.40% | 7.76% | -2.40% | -2,313 bps | |
| Deposit Growth (YoY) | 4.60% | 3.43% | 8.52% | 45.71% | 41.65% | +3,705 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.25% | 4.26% | 3.00% | 5.29% | 6.11% | +587 bps | |
| Allowance / Loans | 1.31% | 1.20% | 1.83% | 4.12% | 6.32% | +501 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 | 12.52% | 11.51% | 10.61% | 8.18% | 2.70% | -982 bps | |
| Equity / Assets | 9.02% | 8.57% | 7.55% | 4.46% | 1.38% | -764 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 108.85% | 105.92% | 100.09% | 74.64% | 75.00% | -3,386 bps | |
| Liquid Assets / Assets | 0.27% | 0.25% | 0.27% | 0.65% | 9.96% | +969 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |