Alameda, CA · Cert 34577
FDIC
Q3 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2013, the quarter ended September 30, 2013, 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.
Alameda, CA · Cert 34577
FDIC
Q3 2013
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 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.25% | 0.58% | -1.26% | -0.63% | -0.20% | 9.91% | 5.20% | 3.60% | +423 bps | |
| Return on Equity | 2.19% | 5.14% | -11.45% | -5.86% | -1.85% | 83.30% | 42.72% | 29.40% | +3,526 bps | |
| Net Interest Margin | 3.90% | 3.94% | 3.75% | 3.71% | 3.60% | 3.64% | 3.61% | 3.55% | -16 bps | |
| Efficiency Ratio | 84.76% | 83.99% | 84.69% | 85.46% | 84.35% | 72.61% | 75.98% | 77.97% | -749 bps | |
| Non-Interest Burden | 3.26% | 3.23% | 3.11% | 3.09% | 2.95% | 2.24% | 2.50% | 2.60% | -49 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.96% | 6.12% | 4.37% | 6.74% | 7.10% | -1.69% | 2.22% | 0.03% | -671 bps | |
| Loan Growth (YoY) | 1.73% | 6.10% | 3.40% | 0.55% | 1.20% | -1.95% | 7.73% | 9.08% | +853 bps | |
| Deposit Growth (YoY) | -3.69% | 6.28% | 5.19% | 7.13% | 8.23% | -4.21% | -0.04% | -1.42% | -855 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 | 1.15% | 1.33% | 3.76% | 2.45% | 2.33% | 0.42% | -0.31% | -0.28% | -273 bps | |
| Allowance / Loans | 2.90% | 2.47% | 2.63% | 2.75% | 2.11% | 1.97% | 2.15% | 2.21% | -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 | 17.50% | 16.75% | 16.35% | 16.84% | 17.06% | 18.30% | 17.26% | 17.91% | +107 bps | |
| Equity / Assets | 11.61% | 10.85% | 10.53% | 10.25% | 10.66% | 13.12% | 12.72% | 12.44% | +220 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 75.93% | 72.77% | 71.95% | 67.53% | 70.99% | 74.49% | 77.55% | 74.73% | +720 bps | |
| Liquid Assets / Assets | 12.54% | 16.50% | 13.41% | 19.64% | 18.44% | 16.26% | 10.83% | 14.61% | -502 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |