San Rafael, CA · Cert 33493
FDIC
Q1 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2010, the quarter ended March 31, 2010, 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.
San Rafael, CA · Cert 33493
FDIC
Q1 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 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.00% | 1.02% | 0.94% | 0.14% | -1.08% | -1.60% | -5.28% | -1.07% | -121 bps | |
| Return on Equity | 12.18% | 12.56% | 11.64% | 1.72% | -13.90% | -21.33% | -79.09% | -36.82% | -3,854 bps | |
| Net Interest Margin | 3.65% | 3.56% | 3.52% | 3.74% | 3.85% | 3.53% | 3.54% | 3.15% | -59 bps | |
| Efficiency Ratio | 54.27% | 52.54% | 51.69% | 49.92% | 51.00% | 58.47% | 71.76% | 100.72% | +5,081 bps | |
| Non-Interest Burden | 1.84% | 1.74% | 1.70% | 1.75% | 1.85% | 2.06% | 2.54% | 3.18% | +143 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 24.51% | 25.35% | 26.42% | 16.16% | 8.30% | 2.31% | -10.47% | -12.34% | -2,850 bps | |
| Loan Growth (YoY) | 27.59% | 27.91% | 26.18% | 17.51% | 6.57% | 0.14% | -12.46% | -17.28% | -3,479 bps | |
| Deposit Growth (YoY) | 13.31% | 16.66% | 27.43% | 17.10% | 15.58% | 11.49% | 5.89% | -1.45% | -1,855 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 | 0.00% | 0.01% | 0.00% | 0.28% | 1.51% | 1.22% | 6.91% | 1.96% | +168 bps | |
| Allowance / Loans | 1.05% | 1.13% | 1.37% | 1.87% | 2.95% | 4.56% | 4.45% | 4.57% | +270 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 | 10.28% | 10.45% | 10.46% | 10.47% | 9.69% | 9.24% | 4.87% | 4.66% | -581 bps | |
| Equity / Assets | 8.22% | 8.06% | 7.93% | 7.98% | 7.35% | 6.77% | 2.99% | 2.83% | -515 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 133.37% | 129.92% | 128.68% | 127.29% | 122.97% | 116.69% | 106.39% | 106.85% | -2,044 bps | |
| Liquid Assets / Assets | 2.08% | 1.87% | 1.68% | 1.71% | 2.47% | 3.65% | 2.57% | 2.19% | +48 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |