Nevada City, CA · Cert 33983
FDIC
Q2 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2011, the quarter ended June 30, 2011, 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.
Nevada City, CA · Cert 33983
FDIC
Q2 2011
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 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.44% | -1.55% | -2.19% | -1.78% | -3.09% | -65 bps | |
| Return on Equity | -37.55% | -24.79% | -36.53% | -37.02% | -68.10% | -3,055 bps | |
| Net Interest Margin | 4.36% | 4.22% | 4.33% | 3.90% | 4.08% | -28 bps | |
| Efficiency Ratio | 59.43% | 67.42% | 70.01% | 89.77% | 98.86% | +3,943 bps | |
| Non-Interest Burden | 2.42% | 2.77% | 2.94% | 3.42% | 4.03% | +161 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -14.48% | -8.02% | -12.05% | -7.70% | -11.30% | +318 bps | |
| Loan Growth (YoY) | -8.07% | -6.99% | -14.48% | -17.23% | -21.08% | -1,301 bps | |
| Deposit Growth (YoY) | -11.55% | -11.54% | -9.35% | -5.15% | -7.69% | +386 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 4.12% | 3.70% | 4.70% | 2.44% | 4.87% | +74 bps | |
| Allowance / Loans | 5.50% | 5.15% | 5.56% | 6.03% | 6.04% | +54 bps | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 8.11% | 8.28% | 7.34% | 7.14% | 6.00% | -210 bps | |
| Equity / Assets | 5.97% | 5.49% | 4.93% | 4.69% | 3.92% | -205 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 105.51% | 99.22% | 94.64% | 90.91% | 90.21% | -1,531 bps | |
| Liquid Assets / Assets | 7.93% | 15.24% | 11.91% | 6.98% | 6.58% | -135 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |