Victorville, CA · Cert 33121
FDIC
Q1 2014
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.68% | 0.72% | 1.31% | 0.77% | 0.91% | 0.59% | 0.54% | 0.01% | -76 bps | |
| Return on Equity | 5.71% | 6.00% | 10.63% | 5.85% | 6.79% | 4.56% | 4.08% | 0.05% | -580 bps | |
| Net Interest Margin | 3.36% | 3.33% | 3.16% | 3.51% | 3.34% | 3.49% | 3.37% | 3.05% | -46 bps | |
| Efficiency Ratio | 81.96% | 83.64% | 76.45% | 83.22% | 81.13% | 84.35% | 87.26% | 98.59% | +1,537 bps | |
| Non-Interest Burden | 2.67% | 2.72% | 2.23% | 2.84% | 2.58% | 2.87% | 2.87% | 3.00% | +16 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.56% | 9.86% | 3.40% | -9.94% | -7.06% | -5.77% | -5.95% | 6.76% | +1,671 bps | |
| Loan Growth (YoY) | -13.65% | -13.44% | -13.74% | -10.56% | -5.26% | -4.88% | -1.27% | -3.34% | +721 bps | |
| Deposit Growth (YoY) | 10.42% | 10.80% | 3.22% | -12.07% | -8.38% | -6.70% | -6.76% | 8.20% | +2,028 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 | 0.16% | -0.11% | 0.96% | 0.29% | 0.62% | 0.50% | 0.31% | -0.19% | -48 bps | |
| Allowance / Loans | 1.94% | 1.98% | 1.86% | 1.79% | 1.61% | 1.49% | 1.45% | 1.53% | -26 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 | 15.71% | 15.85% | 16.14% | 16.78% | 16.48% | 16.34% | 16.76% | 17.43% | +64 bps | |
| Equity / Assets | 11.95% | 12.09% | 12.57% | 13.83% | 13.13% | 12.91% | 13.35% | 12.76% | -107 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 69.10% | 68.60% | 66.98% | 73.73% | 71.45% | 69.94% | 70.92% | 65.86% | -787 bps | |
| Liquid Assets / Assets | 17.48% | 15.74% | 15.55% | 10.02% | 14.11% | 16.21% | 16.88% | 25.51% | +1,549 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |