Orange, CA · Cert 35535
FDIC
Q2 2011
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.35% | -0.40% | -0.08% | -1.16% | 0.21% | 2.84% | 0.62% | 0.72% | +188 bps | |
| Return on Equity | 3.65% | -3.95% | -0.76% | -12.23% | 2.23% | 29.74% | 6.27% | 7.28% | +1,952 bps | |
| Net Interest Margin | 4.29% | 4.47% | 4.49% | 4.30% | 4.31% | 4.06% | 4.11% | 4.10% | -20 bps | |
| Efficiency Ratio | 75.88% | 75.38% | 80.23% | 86.57% | 85.51% | 86.44% | 75.53% | 71.10% | -1,547 bps | |
| Non-Interest Burden | 3.10% | 3.21% | 3.44% | 3.65% | 3.60% | 3.44% | 2.99% | 2.80% | -85 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 | 0.97% | 1.39% | 1.44% | 3.76% | -0.01% | -6.12% | 1.32% | -0.01% | -376 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 |