Orange, CA · Cert 35535
FDIC
Q2 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2011, the quarter ended June 30, 2011, 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.
Orange, CA · Cert 35535
FDIC
Q2 2011
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 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.37% | 0.18% | -0.08% | -0.63% | -0.35% | 0.47% | 0.62% | 0.67% | +130 bps | |
| Return on Equity | 3.69% | 1.77% | -0.76% | -6.45% | -3.59% | 4.88% | 6.27% | 6.78% | +1,323 bps | |
| Net Interest Margin | 4.08% | 4.28% | 4.49% | 4.30% | 4.37% | 4.10% | 4.11% | 4.09% | -20 bps | |
| Efficiency Ratio | 80.16% | 78.93% | 80.23% | 83.32% | 84.04% | 84.62% | 75.53% | 73.33% | -1,000 bps | |
| Non-Interest Burden | 3.15% | 3.24% | 3.44% | 3.47% | 3.57% | 3.38% | 2.99% | 2.89% | -59 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.31% | 3.75% | 0.74% | -1.61% | 2.25% | 9.48% | 4.78% | 6.21% | +782 bps | |
| Loan Growth (YoY) | 2.97% | -1.81% | 0.63% | -4.79% | -3.19% | -7.29% | -10.78% | -10.17% | -538 bps | |
| Deposit Growth (YoY) | 3.03% | 3.87% | 0.79% | -1.39% | 3.01% | 10.02% | 4.49% | 5.55% | +694 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 | 0.32% | 0.59% | 1.44% | 2.62% | 1.75% | -0.15% | 1.32% | 0.67% | -195 bps | |
| Allowance / Loans | 1.71% | 2.05% | 2.06% | 2.12% | 2.27% | 2.31% | 2.09% | 2.18% | +6 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 | 13.08% | 13.21% | 12.91% | 12.74% | 12.82% | 14.59% | 14.72% | 15.19% | +245 bps | |
| Equity / Assets | 9.79% | 10.36% | 9.72% | 9.26% | 9.22% | 9.91% | 9.94% | 9.81% | +55 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.49% | 86.75% | 82.05% | 77.92% | 76.58% | 73.10% | 70.06% | 66.31% | -1,161 bps | |
| Liquid Assets / Assets | 18.83% | 12.75% | 14.36% | 18.40% | 20.44% | 23.04% | 28.92% | 35.14% | +1,674 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |