Riverside, CA · Cert 57059
FDIC
Q4 2013
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | -0.48% | 0.47% | 1.03% | 1.05% | -0.07% | -0.66% | -0.71% | -173 bps | |
| Return on Equity | -7.18% | -6.38% | 6.20% | 13.05% | 12.65% | -0.79% | -7.79% | -8.64% | -2,169 bps | |
| Net Interest Margin | 4.45% | 4.27% | 4.13% | 3.98% | 3.69% | 3.30% | 3.20% | 3.08% | -90 bps | |
| Efficiency Ratio | 97.91% | 113.98% | 88.96% | 77.81% | 78.71% | 101.77% | 120.23% | 120.34% | +4,253 bps | |
| Non-Interest Burden | 4.35% | 4.74% | 3.67% | 2.98% | 2.64% | 3.36% | 3.86% | 3.77% | +79 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% | -0.66% | 0.08% | 0.76% | 1.25% | -0.14% | 0.57% | 1.89% | +113 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 |