Mojave, CA · Cert 33484
FDIC
Q4 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2012, the quarter ended December 31, 2012, 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.
Mojave, CA · Cert 33484
FDIC
Q4 2012
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 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.31% | -0.66% | -0.61% | -0.50% | 0.09% | 0.18% | 0.20% | 0.03% | +53 bps | |
| Return on Equity | -14.66% | -7.44% | -7.11% | -5.86% | 1.06% | 2.14% | 2.36% | 0.36% | +621 bps | |
| Net Interest Margin | 4.01% | 3.93% | 3.75% | 3.74% | 3.55% | 3.58% | 3.60% | 3.65% | -9 bps | |
| Efficiency Ratio | 94.07% | 89.39% | 91.69% | 92.00% | 94.56% | 94.31% | 94.94% | 98.57% | +657 bps | |
| Non-Interest Burden | 3.72% | 3.43% | 3.36% | 3.37% | 3.31% | 3.33% | 3.35% | 3.58% | +21 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.49% | 7.69% | 7.27% | 7.75% | 2.82% | -0.86% | -4.22% | -1.56% | -932 bps | |
| Loan Growth (YoY) | -10.30% | -11.02% | -13.61% | -14.13% | -9.53% | -3.40% | 4.50% | 8.84% | +2,297 bps | |
| Deposit Growth (YoY) | 9.66% | 9.07% | 8.62% | 9.13% | 3.29% | -1.00% | -4.74% | -1.97% | -1,110 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 | 2.54% | 1.42% | 1.03% | 0.93% | -0.10% | 0.22% | 0.11% | 0.13% | -81 bps | |
| Allowance / Loans | 2.11% | 2.52% | 2.95% | 3.18% | 3.26% | 3.05% | 2.94% | 2.87% | -31 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 | 15.68% | 15.41% | 16.69% | 17.03% | 17.25% | 17.29% | 16.86% | 17.01% | -1 bps | |
| Equity / Assets | 8.65% | 8.57% | 8.04% | 8.22% | 8.34% | 8.61% | 8.48% | 8.37% | +15 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 59.94% | 56.66% | 51.43% | 51.29% | 52.51% | 55.29% | 56.42% | 56.95% | +566 bps | |
| Liquid Assets / Assets | 22.12% | 27.93% | 34.32% | 31.80% | 29.12% | 28.79% | 30.62% | 31.12% | -68 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |