Paradise, CA · Cert 33219
FDIC
Q2 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.03% | -0.16% | 0.23% | -1.51% | -2.38% | -15.58% | -3.10% | -0.27% | +124 bps | |
| Return on Equity | 12.28% | -1.88% | 2.80% | -18.47% | -29.50% | -255% | -79.50% | -7.49% | +1,098 bps | |
| Net Interest Margin | 4.97% | 4.51% | 3.51% | 3.87% | 4.06% | 4.04% | 3.46% | 3.79% | -8 bps | |
| Efficiency Ratio | 69.05% | 71.87% | 63.18% | 91.72% | 106.93% | 105.75% | 115.79% | 47.92% | -4,380 bps | |
| Non-Interest Burden | 2.87% | 2.81% | 0.96% | 3.40% | 4.44% | 4.37% | 4.22% | -0.57% | -397 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.06% | 2.13% | 4.39% | 2.99% | -7.95% | -9.10% | -13.57% | -14.04% | -1,704 bps | |
| Loan Growth (YoY) | 6.20% | 10.77% | 5.89% | -4.66% | -7.88% | -12.23% | -12.10% | -11.08% | -642 bps | |
| Deposit Growth (YoY) | 5.78% | 2.57% | 6.19% | 3.79% | -7.87% | -5.11% | -9.45% | -8.89% | -1,268 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 | 0.33% | 0.41% | 1.88% | 2.97% | 2.02% | 9.00% | 3.08% | 3.98% | +100 bps | |
| Allowance / Loans | 1.29% | 1.58% | 1.79% | 1.95% | 2.75% | 2.99% | 3.52% | 3.75% | +180 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 | 10.40% | 10.36% | 10.53% | 10.03% | 8.88% | 5.91% | 5.22% | 5.37% | -467 bps | |
| Equity / Assets | 8.29% | 8.33% | 8.20% | 8.14% | 7.97% | 4.22% | 3.57% | 3.76% | -438 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.36% | 93.86% | 89.96% | 91.38% | 94.35% | 86.81% | 87.33% | 89.18% | -219 bps | |
| Liquid Assets / Assets | 0.89% | 0.54% | 0.53% | 0.81% | 0.72% | 0.74% | 9.22% | 7.02% | +621 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |