San Rafael, CA · Cert 33493
FDIC
Q1 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.98% | 1.07% | 0.72% | 0.14% | -2.29% | -2.65% | -16.81% | -1.07% | -121 bps | |
| Return on Equity | 11.94% | 13.12% | 8.98% | 1.72% | -29.94% | -37.51% | -338% | -36.82% | -3,854 bps | |
| Net Interest Margin | 3.89% | 3.87% | 3.75% | 3.74% | 3.88% | 3.11% | 2.98% | 3.15% | -59 bps | |
| Efficiency Ratio | 52.34% | 49.44% | 49.31% | 49.92% | 52.08% | 80.09% | 124.19% | 100.72% | +5,081 bps | |
| Non-Interest Burden | 1.92% | 1.79% | 1.73% | 1.75% | 1.92% | 2.57% | 3.67% | 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 | 0.01% | 0.02% | -0.02% | 0.28% | 2.75% | 0.53% | 23.57% | 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 |