Riverside, CA · Cert 57059
FDIC
Q4 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2013, the quarter ended December 31, 2013, 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.
Riverside, CA · Cert 57059
FDIC
Q4 2013
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 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.54% | -0.51% | -0.19% | 0.11% | 1.05% | 0.50% | 0.12% | -0.09% | -20 bps | |
| Return on Equity | -7.18% | -6.78% | -2.48% | 1.44% | 12.65% | 5.91% | 1.38% | -1.07% | -251 bps | |
| Net Interest Margin | 4.45% | 4.38% | 4.29% | 4.19% | 3.69% | 3.55% | 3.41% | 3.29% | -90 bps | |
| Efficiency Ratio | 97.91% | 104.58% | 99.31% | 93.58% | 78.71% | 88.42% | 97.05% | 102.31% | +873 bps | |
| Non-Interest Burden | 4.35% | 4.57% | 4.26% | 3.92% | 2.64% | 3.04% | 3.29% | 3.38% | -55 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.90% | -6.48% | -4.61% | -6.54% | -5.48% | -5.95% | -7.20% | -0.88% | +566 bps | |
| Loan Growth (YoY) | -12.83% | -13.81% | -18.03% | -19.97% | -25.32% | -29.19% | -26.72% | -27.53% | -756 bps | |
| Deposit Growth (YoY) | -8.69% | -3.77% | 2.82% | -2.22% | -3.02% | 0.84% | -0.99% | 7.38% | +960 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 | -0.66% | -0.67% | -0.46% | -0.18% | 1.25% | 0.61% | 0.61% | 0.97% | +115 bps | |
| Allowance / Loans | 2.78% | 3.03% | 3.23% | 3.30% | 3.39% | 3.72% | 3.71% | 3.58% | +28 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 | 11.09% | 11.27% | 12.15% | 13.42% | 15.35% | 16.33% | 16.15% | 16.74% | +332 bps | |
| Equity / Assets | 7.55% | 7.52% | 7.56% | 8.18% | 8.48% | 8.57% | 8.35% | 8.01% | -17 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.52% | 87.21% | 77.23% | 75.78% | 68.16% | 61.24% | 57.15% | 51.14% | -2,464 bps | |
| Liquid Assets / Assets | 15.68% | 18.34% | 23.26% | 27.62% | 33.14% | 31.65% | 28.73% | 34.72% | +710 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |