San Luis Obispo, CA · Cert 34462
FDIC
Q4 2013
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.13% | 0.73% | 0.66% | 0.48% | 0.64% | 0.49% | -0.19% | 0.44% | -5 bps | |
| Return on Equity | 1.51% | 8.31% | 7.23% | 5.07% | 6.72% | 5.36% | -2.18% | 4.85% | -22 bps | |
| Net Interest Margin | 4.11% | 4.28% | 3.86% | 3.93% | 4.29% | 3.87% | 4.45% | 3.93% | 0 bps | |
| Efficiency Ratio | 90.57% | 88.10% | 85.76% | 84.31% | 84.70% | 86.84% | 71.85% | 77.54% | -677 bps | |
| Non-Interest Burden | 3.78% | 3.81% | 3.35% | 3.28% | 3.67% | 3.39% | 3.08% | 2.94% | -33 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 123.39% | 112.89% | 96.51% | -4.87% | -4.00% | -1.63% | 0.21% | -0.06% | +481 bps | |
| Loan Growth (YoY) | 108.76% | 105.91% | 113.26% | 6.17% | 10.80% | 13.90% | 18.44% | 19.67% | +1,350 bps | |
| Deposit Growth (YoY) | 124.99% | 114.43% | 98.97% | -5.73% | -4.47% | -1.88% | 0.39% | -1.24% | +449 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 | -0.02% | 0.01% | -0.16% | 0.26% | 0.17% | 0.01% | 0.07% | 0.02% | -24 bps | |
| Allowance / Loans | 1.62% | 1.72% | 1.76% | 1.74% | 1.74% | 1.69% | 1.59% | 1.50% | -24 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 | 13.92% | 14.08% | 13.74% | 13.65% | 13.61% | 13.66% | 12.90% | 12.73% | -92 bps | |
| Equity / Assets | 8.63% | 8.94% | 9.43% | 9.57% | 9.62% | 8.51% | 8.83% | 9.17% | -40 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 54.25% | 53.52% | 59.79% | 62.60% | 62.92% | 62.13% | 70.55% | 75.86% | +1,326 bps | |
| Liquid Assets / Assets | 15.16% | 6.38% | 4.42% | 6.07% | 2.41% | 2.26% | 4.83% | 6.86% | +80 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |