Thousand Oaks, CA · Cert 34579
FDIC
Q3 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -4.02% | 0.38% | -0.17% | 0.20% | -2.17% | -0.03% | 0.06% | -0.43% | -64 bps | |
| Return on Equity | -33.21% | 2.94% | -1.21% | 1.48% | -16.08% | -0.26% | 0.45% | -3.55% | -504 bps | |
| Net Interest Margin | 4.16% | 4.09% | 3.97% | 3.87% | 4.01% | 3.97% | 3.99% | 4.19% | +32 bps | |
| Efficiency Ratio | 103.19% | 93.27% | 97.30% | 93.97% | 92.75% | 94.09% | 92.14% | 102.99% | +902 bps | |
| Non-Interest Burden | 4.32% | 3.76% | 3.83% | 3.58% | 3.67% | 3.70% | 3.63% | 4.34% | +76 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 | 0.48% | 1.50% | 0.63% | 0.15% | 2.00% | 1.04% | 0.43% | 0.59% | +44 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 |