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 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.66% | 1.73% | 1.66% | 1.53% | -0.66% | -1.02% | -3.28% | -6.41% | -793 bps | |
| Return on Equity | 15.77% | 16.96% | 16.86% | 15.79% | -7.45% | -12.27% | -45.73% | -106.88% | -12,268 bps | |
| Net Interest Margin | 5.48% | 5.29% | 4.86% | 4.57% | 3.93% | 3.64% | 2.77% | 2.28% | -230 bps | |
| Efficiency Ratio | 55.09% | 52.39% | 51.76% | 50.77% | 64.24% | 71.08% | 83.47% | 108.65% | +5,788 bps | |
| Non-Interest Burden | 2.74% | 2.43% | 2.21% | 2.02% | 2.30% | 2.43% | 2.24% | 2.53% | +50 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 19.49% | 20.53% | 22.36% | 25.14% | 24.63% | 28.84% | 42.17% | 15.80% | -934 bps | |
| Loan Growth (YoY) | 14.07% | 11.28% | 14.41% | 20.72% | 15.68% | 17.40% | 7.76% | -2.40% | -2,313 bps | |
| Deposit Growth (YoY) | 12.85% | 15.65% | 9.00% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.02% | 0.07% | 0.25% | 4.26% | 3.00% | 5.29% | 6.11% | +587 bps | |
| Allowance / Loans | 1.28% | 1.32% | 1.26% | 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 | 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 | 12.38% | 11.70% | 11.62% | 12.52% | 11.51% | 10.61% | 8.18% | 2.70% | -982 bps | |
| Equity / Assets | 10.53% | 9.48% | 9.01% | 9.02% | 8.57% | 7.55% | 4.46% | 1.38% | -764 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.71% | 92.52% | 100.94% | 108.85% | 105.92% | 100.09% | 74.64% | 75.00% | -3,386 bps | |
| Liquid Assets / Assets | 0.52% | 0.33% | 0.31% | 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 | n/a | n/a | n/a |