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 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -6.48% | -1.04% | -3.28% | -4.46% | -4.34% | +214 bps | |
| Return on Equity | -75.04% | -20.76% | -70.85% | -108.03% | -119.04% | -4,400 bps | |
| Net Interest Margin | 4.08% | 3.98% | 4.03% | 4.24% | 4.36% | +28 bps | |
| Efficiency Ratio | 94.36% | 94.81% | 130.01% | 123.85% | 133.80% | +3,944 bps | |
| Non-Interest Burden | 3.80% | 3.72% | 5.56% | 5.51% | 6.26% | +246 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -17.64% | -15.86% | -16.55% | -16.01% | -13.82% | +382 bps | |
| Loan Growth (YoY) | -19.97% | -22.87% | -23.87% | -23.37% | -18.93% | +103 bps | |
| Deposit Growth (YoY) | -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 bps | |
| Net Charge-Offs / Loans | 8.03% | 2.57% | 3.13% | 4.21% | 4.11% | -392 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 7.39% | 7.31% | 5.58% | 4.22% | 3.09% | -429 bps | |
| Equity / Assets | 5.16% | 4.84% | 3.85% | 2.48% | 1.49% | -367 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 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 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |