San Francisco, CA · Cert 34075
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 | 1.92% | -0.07% | 2.20% | 1.85% | 2.46% | 1.84% | 1.73% | 1.54% | -30 bps | |
| Return on Equity | 16.94% | -0.60% | 17.21% | 12.97% | 15.71% | 11.11% | 10.06% | 8.62% | -435 bps | |
| Net Interest Margin | 2.70% | 2.61% | 3.21% | 2.62% | 2.77% | 2.80% | 2.60% | 2.49% | -13 bps | |
| Efficiency Ratio | 42.69% | 49.07% | 39.37% | 50.86% | 44.58% | 54.28% | 57.12% | 56.78% | +592 bps | |
| Non-Interest Burden | -0.76% | -0.55% | -1.20% | -0.43% | -1.32% | -0.27% | -0.22% | -0.23% | +20 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 25.84% | 12.50% | 6.08% | -13.77% | -22.89% | -16.91% | -13.14% | -7.37% | +640 bps | |
| Loan Growth (YoY) | 26.83% | 10.98% | 6.22% | -14.08% | -22.90% | -14.81% | -14.09% | -6.91% | +717 bps | |
| Deposit Growth (YoY) | -23.72% | 1.85% | 13.03% | -1.27% | 6.56% | 32.22% | -24.49% | -76.19% | -7,492 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% | 3.59% | 0.31% | -0.01% | 0.09% | -0.01% | 0.10% | 0.35% | +36 bps | |
| Allowance / Loans | 0.81% | 0.93% | 1.02% | 1.13% | 1.19% | 1.23% | 1.23% | 1.22% | +9 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 | 12.39% | 12.45% | 14.16% | 15.02% | 15.63% | 16.47% | 17.04% | 16.01% | +99 bps | |
| Equity / Assets | 11.12% | 12.23% | 13.42% | 15.14% | 16.16% | 16.98% | 17.50% | 18.31% | +317 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 2634% | 2619% | 1656% | 2359% | 1906% | 1688% | 1884% | 9223% | +686,358 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |