Nevada City, CA · Cert 33983
FDIC
Q2 2011
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.50% | -12.03% | 0.55% | -5.66% | 0.20%1 | -4.07% | -1.78% | -4.46% | +120 bps | |
| Return on Equity | 5.70% | -159.46% | 8.23% | -86.25% | 3.51% | -78.09% | -37.02% | -103.23% | -1,698 bps | |
| Net Interest Margin | 4.00% | 4.41% | 4.13% | 4.40% | 4.08% | 4.42% | 3.90% | 4.03% | -37 bps | |
| Efficiency Ratio | 72.29% | 49.27% | 74.30% | 43.16% | 86.65% | 77.04% | 89.77% | 108.60% | +6,544 bps | |
| Non-Interest Burden | 2.74% | 1.20% | 2.90% | 1.80% | 3.56% | 3.28% | 3.42% | 4.42% | +262 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.09% | 2.24% | -8.57% | -14.48% | -8.02% | -12.05% | -7.70% | -11.30% | +318 bps | |
| Loan Growth (YoY) | -5.79% | -2.44% | -5.91% | -8.07% | -6.99% | -14.48% | -17.23% | -21.08% | -1,301 bps | |
| Deposit Growth (YoY) | 3.35% | 0.77% | -6.61% | -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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.28% | 9.57% | 1.92% | 6.28% | 2.61% | 6.82% | 2.44% | 7.11% | +83 bps | |
| Allowance / Loans | 4.78% | 4.72% | 4.57% | 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 | 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 | 9.94% | 8.94% | 9.31% | 8.11% | 8.28% | 7.34% | 7.14% | 6.00% | -210 bps | |
| Equity / Assets | 8.67% | 6.37% | 7.13% | 5.97% | 5.49% | 4.93% | 4.69% | 3.92% | -205 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.37% | 100.32% | 104.18% | 105.51% | 99.22% | 94.64% | 90.91% | 90.21% | -1,531 bps | |
| Liquid Assets / Assets | 15.89% | 14.98% | 9.04% | 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 | n/a | n/a | n/a |