Palm Springs, CA · Cert 34692
FDIC
Q4 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | -3.44% | -2.53% | -18.80% | -1.04% | -5.55% | -6.99% | -3.95% | +1,485 bps | |
| Return on Equity | -24.83% | -36.73% | -27.14% | -256% | -20.76% | -127.22% | -220% | -197.73% | +5,864 bps | |
| Net Interest Margin | 3.33% | 3.83% | 3.99% | 4.06% | 3.98% | 4.10% | 4.00% | 4.18% | +13 bps | |
| Efficiency Ratio | 100.95% | 97.20% | 90.08% | 89.93% | 94.81% | 163.91% | 110.22% | 162.76% | +7,283 bps | |
| Non-Interest Burden | 3.37% | 3.71% | 3.52% | 3.51% | 3.72% | 7.42% | 4.51% | 7.79% | +427 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% | 6.62% | 7.58% | 10.53% | 2.57% | 3.56% | 6.04% | 3.22% | -731 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 |