Paradise, CA · Cert 33219
FDIC
Q2 2010
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 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.89% | 0.63% | 0.23% | -0.64% | -1.20% | -4.62% | -3.10% | -1.72% | -108 bps | |
| Return on Equity | 10.22% | 7.25% | 2.80% | -7.76% | -14.74% | -62.23% | -79.50% | -44.51% | -3,675 bps | |
| Net Interest Margin | 4.76% | 4.60% | 3.51% | 3.69% | 3.94% | 3.99% | 3.46% | 3.65% | -4 bps | |
| Efficiency Ratio | 70.33% | 70.71% | 63.18% | 76.10% | 85.24% | 90.03% | 115.79% | 72.80% | -329 bps | |
| Non-Interest Burden | 2.87% | 2.80% | 0.96% | 2.18% | 3.01% | 3.37% | 4.22% | 1.85% | -33 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 | 0.17% | 0.23% | 1.88% | 2.45% | 2.34% | 4.12% | 3.08% | 3.55% | +110 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 |