San Diego, CA · Cert 35517
FDIC
Q1 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2010, the quarter ended March 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.
San Diego, CA · Cert 35517
FDIC
Q1 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 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.36% | -0.56% | -5.40% | -4.14% | -0.19% | +17 bps | |
| Return on Equity | -5.79% | -8.97% | -97.71% | -81.13% | -5.80% | -2 bps | |
| Net Interest Margin | 3.49% | 3.49% | 3.70% | 4.07% | 3.68% | +19 bps | |
| Efficiency Ratio | 103.56% | 109.95% | 109.36% | 106.85% | 104.99% | +142 bps | |
| Non-Interest Burden | 3.69% | 3.91% | 4.11% | 4.43% | 3.95% | +25 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.75% | -7.17% | -14.82% | -14.45% | -25.42% | -3,218 bps | |
| Loan Growth (YoY) | 4.39% | -4.52% | -6.08% | -10.90% | -21.68% | -2,607 bps | |
| Deposit Growth (YoY) | 12.69% | -1.77% | -11.14% | -9.03% | -19.94% | -3,262 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.22% | 0.20% | 3.09% | 2.56% | -0.36% | -58 bps | |
| Allowance / Loans | 1.56% | 1.53% | 2.37% | 3.03% | 3.51% | +196 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 | 8.51% | 8.49% | 5.67% | 6.20% | 4.95% | -356 bps | |
| Equity / Assets | 6.01% | 6.31% | 3.01% | 3.13% | 3.34% | -267 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 98.24% | 106.27% | 108.07% | 103.23% | 96.10% | -214 bps | |
| Liquid Assets / Assets | 0.13% | 0.14% | 0.15% | 0.16% | 10.29% | +1,016 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |