Temecula, CA · Cert 34341
FDIC
Q2 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.92% | 1.07% | 0.62% | -0.40% | -0.82% | -14.37% | -9.33% | -10.48% | -1,008 bps | |
| Return on Equity | 8.76% | 10.21% | 5.73% | -3.74% | -8.08% | -175.40% | -172.55% | -356% | -35,237 bps | |
| Net Interest Margin | 5.31% | 5.00% | 4.25% | 3.71% | 3.49% | 3.00% | 1.80% | 1.94% | -178 bps | |
| Efficiency Ratio | 67.36% | 57.62% | 67.03% | 83.17% | 81.08% | 175.01% | 600% | n/a | n/a | |
| Non-Interest Burden | 3.43% | 2.27% | 2.59% | 2.96% | 2.74% | 4.10% | 4.30% | 6.95% | +399 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 | 0.01% | 0.13% | 0.39% | 0.92% | 1.97% | 9.25% | 5.45% | 7.25% | +633 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 |