Thousand Oaks, CA · Cert 34579
FDIC
Q3 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2010, the quarter ended September 30, 2010, 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.
Thousand Oaks, CA · Cert 34579
FDIC
Q3 2010
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 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.90% | 0.38% | 0.10%1 | 0.14% | -0.45% | -0.03% | 0.01% | -0.14% | -28 bps | |
| Return on Equity | -7.24% | 2.94% | 0.78% | 1.03% | -3.36% | -0.26% | 0.10% | -1.12% | -215 bps | |
| Net Interest Margin | 4.73% | 4.09% | 4.05% | 3.91% | 3.95% | 3.97% | 3.96% | 3.92% | +1 bps | |
| Efficiency Ratio | 92.23% | 93.27% | 95.29% | 94.84% | 94.34% | 94.09% | 93.11% | 96.59% | +175 bps | |
| Non-Interest Burden | 4.31% | 3.76% | 3.82% | 3.66% | 3.68% | 3.70% | 3.64% | 3.77% | +11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.94% | -3.86% | 2.46% | 5.68% | 3.35% | 3.64% | 7.76% | 5.55% | -13 bps | |
| Loan Growth (YoY) | 22.74% | 3.05% | -4.22% | -8.38% | -7.40% | -10.10% | -5.27% | -0.28% | +810 bps | |
| Deposit Growth (YoY) | 17.55% | -1.13% | 2.08% | 6.70% | 7.54% | 17.47% | 23.02% | 19.59% | +1,289 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 | 0.26% | 1.50% | 1.11% | 0.82% | 1.10% | 1.04% | 0.74% | 0.68% | -14 bps | |
| Allowance / Loans | 2.18% | 1.89% | 1.94% | 2.01% | 1.95% | 1.87% | 1.89% | 1.82% | -19 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 | 13.16% | 16.15% | 16.67% | 17.38% | 16.67% | 17.11% | 17.39% | 17.04% | -34 bps | |
| Equity / Assets | 11.72% | 13.91% | 13.80% | 13.49% | 13.44% | 12.81% | 12.32% | 12.14% | -135 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 119.14% | 115.22% | 108.09% | 100.21% | 102.59% | 88.18% | 83.23% | 83.57% | -1,665 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 6.45% | 12.35% | 11.75% | 13.24% | 15.07% | 14.11% | +176 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |