Palm Springs, CA · Cert 34692
FDIC
Q4 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2010, the quarter ended December 31, 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.
Palm Springs, CA · Cert 34692
FDIC
Q4 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 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.35% | -2.90% | -2.78% | -6.48% | -1.04% | -3.28% | -4.46% | -4.34% | +214 bps | |
| Return on Equity | -24.83% | -30.81% | -29.59% | -75.04% | -20.76% | -70.85% | -108.03% | -119.04% | -4,400 bps | |
| Net Interest Margin | 3.33% | 3.66% | 3.92% | 4.08% | 3.98% | 4.03% | 4.24% | 4.36% | +28 bps | |
| Efficiency Ratio | 100.95% | 99.02% | 96.00% | 94.36% | 94.81% | 130.01% | 123.85% | 133.80% | +3,944 bps | |
| Non-Interest Burden | 3.37% | 3.62% | 3.73% | 3.80% | 3.72% | 5.56% | 5.51% | 6.26% | +246 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.78% | -4.98% | -10.79% | -17.64% | -15.86% | -16.55% | -16.01% | -13.82% | +382 bps | |
| Loan Growth (YoY) | -1.87% | -4.28% | -11.66% | -19.97% | -22.87% | -23.87% | -23.37% | -18.93% | +103 bps | |
| Deposit Growth (YoY) | 3.01% | 0.33% | -3.93% | -8.70% | -9.04% | -9.22% | -8.68% | -9.88% | -118 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 | 4.46% | 5.63% | 6.51% | 8.03% | 2.57% | 3.13% | 4.21% | 4.11% | -392 bps | |
| Allowance / Loans | 1.87% | 2.06% | 1.72% | 4.63% | 4.69% | 4.74% | 5.27% | 4.79% | +16 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 | 12.19% | 11.78% | 11.82% | 7.39% | 7.31% | 5.58% | 4.22% | 3.09% | -429 bps | |
| Equity / Assets | 9.44% | 9.29% | 9.36% | 5.16% | 4.84% | 3.85% | 2.48% | 1.49% | -367 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 97.67% | 101.33% | 97.44% | 90.03% | 82.82% | 84.98% | 81.77% | 80.99% | -904 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |