Palm Desert, CA · Cert 34738
FDIC · 2 branches
Q3 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2014, the quarter ended September 30, 2014, 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 Desert, CA · Cert 34738
FDIC · 2 branches
Q3 2014
Market Position · Riverside-San Bernardino-Ontario, CA · 2014 SOD (annual) · 0.2% share · #30 of 51 inst. · $0.1B of $39.8B
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 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.60% | -1.38% | -1.01% | -1.11% | -0.43% | -3.34% | -6.14% | -3.90% | -280 bps | |
| Return on Equity | n/a | -54.36% | -40.45% | -46.03% | -16.29% | -81.02% | -181.95% | -126.22% | -8,019 bps | |
| Net Interest Margin | 3.02% | 2.82% | 2.99% | 2.84% | 3.61% | 3.17% | 2.88% | 3.22% | +37 bps | |
| Efficiency Ratio | 143.43% | 145.60% | 131.26% | 150.44% | 133.69% | 193.48% | 288% | 249% | +9,818 bps | |
| Non-Interest Burden | 4.57% | 4.20% | 4.01% | 4.31% | 5.20% | 6.57% | 8.98% | 8.65% | +434 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -26.60% | -28.71% | -33.33% | -33.49% | -50.36% | -49.39% | -49.57% | -50.82% | -1,732 bps | |
| Loan Growth (YoY) | -32.86% | -33.12% | -35.12% | -37.68% | -51.31% | -51.98% | -49.47% | -45.65% | -797 bps | |
| Deposit Growth (YoY) | -21.05% | -21.18% | -25.93% | -28.14% | -50.66% | -50.78% | -49.98% | -51.60% | -2,346 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 | 1.40% | 0.76% | 0.14% | 0.02% | 2.08% | 0.19% | 0.70% | 0.56% | +54 bps | |
| Allowance / Loans | 4.83% | 4.95% | 5.71% | 5.84% | 5.40% | 5.77% | 5.86% | 4.34% | -150 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 | 6.20% | 5.90% | 6.19% | 5.93% | 9.34% | 8.41% | 4.51% | 5.03% | -89 bps | |
| Equity / Assets | 2.65% | 2.41% | 2.39% | 2.14% | 4.49% | 3.75% | 1.74% | 2.13% | -1 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 65.86% | 62.40% | 59.96% | 56.11% | 64.99% | 60.88% | 60.58% | 63.01% | +689 bps | |
| Liquid Assets / Assets | 23.45% | 26.44% | 28.57% | 32.59% | 18.77% | 22.27% | 22.36% | 19.63% | -1,296 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |