Temecula, CA · Cert 34341
FDIC
Q2 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2009, the quarter ended June 30, 2009, 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.
Temecula, CA · Cert 34341
FDIC
Q2 2009
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 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.39% | 1.31% | 0.62% | 0.10% | -0.22% | -3.95% | -9.33% | -9.94% | -1,003 bps | |
| Return on Equity | 13.14% | 12.38% | 5.73% | 0.90% | -2.14% | -40.98% | -172.55% | -238% | -23,892 bps | |
| Net Interest Margin | 5.37% | 5.20% | 4.25% | 3.94% | 3.65% | 3.38% | 1.80% | 1.89% | -205 bps | |
| Efficiency Ratio | 61.81% | 60.76% | 67.03% | 74.73% | 76.69% | 87.05% | 600% | n/a | n/a | |
| Non-Interest Burden | 2.87% | 2.68% | 2.59% | 2.75% | 2.65% | 2.93% | 4.30% | 5.68% | +293 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.11% | 6.51% | 4.74% | 11.78% | 15.89% | 14.66% | 8.67% | -4.45% | -1,623 bps | |
| Loan Growth (YoY) | 13.47% | 8.32% | 7.66% | 15.20% | 12.92% | 11.49% | 4.64% | -10.13% | -2,533 bps | |
| Deposit Growth (YoY) | 13.23% | 6.68% | 3.97% | 6.95% | 5.05% | 11.46% | 10.47% | 3.19% | -376 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 | 0.08% | 0.09% | 0.39% | 0.65% | 1.08% | 3.11% | 5.45% | 6.66% | +601 bps | |
| Allowance / Loans | 1.10% | 1.29% | 1.34% | 1.45% | 1.48% | 3.73% | 4.21% | 4.26% | +282 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 | 10.38% | 10.66% | 11.69% | 11.25% | 10.98% | 7.52% | 5.43% | 2.87% | -838 bps | |
| Equity / Assets | 10.36% | 10.53% | 11.14% | 10.38% | 9.85% | 6.53% | 4.27% | 1.53% | -885 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 104.30% | 106.36% | 105.26% | 107.25% | 112.11% | 106.38% | 99.71% | 93.41% | -1,385 bps | |
| Liquid Assets / Assets | 0.31% | 0.30% | 0.29% | 0.27% | 0.26% | 0.29% | 0.28% | 6.36% | +608 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |