San Marcos, CA · Cert 57136
FDIC
Q2 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.34% | -1.66% | 0.01% | -3.13% | -1.10% | -4.98% | -2.69% | -2.78% | +35 bps | |
| Return on Equity | 3.81% | -18.83% | 0.12% | -32.41% | -11.42% | -49.40% | -26.30% | -26.91% | +550 bps | |
| Net Interest Margin | 4.53% | 3.82% | 3.81% | 4.05% | 3.77% | 3.03% | 2.65% | 3.30% | -74 bps | |
| Efficiency Ratio | 84.31% | 101.72% | 98.03% | 101.54% | 102.63% | 143.85% | 142.45% | 140.34% | +3,880 bps | |
| Non-Interest Burden | 3.77% | 3.89% | 3.72% | 4.12% | 3.88% | 4.45% | 3.95% | 4.84% | +72 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.29% | 7.91% | -0.81% | -3.62% | -10.85% | -7.61% | -3.19% | -10.72% | -710 bps | |
| Loan Growth (YoY) | 4.04% | 7.27% | 2.22% | -0.11% | -2.37% | -10.46% | -6.11% | -6.74% | -663 bps | |
| Deposit Growth (YoY) | 3.66% | 12.43% | -0.58% | -5.79% | -3.06% | -2.38% | -4.13% | -12.52% | -672 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 | 0.38% | -0.07% | 0.58% | 1.70% | 4.44% | 8.91% | 1.52% | 0.34% | -136 bps | |
| Allowance / Loans | 1.27% | 2.10% | 2.12% | 3.20% | 2.57% | 2.53% | 2.66% | 3.04% | -16 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 | 10.26% | 10.26% | 11.24% | 10.97% | 11.14% | 12.80% | 12.38% | 12.40% | +144 bps | |
| Equity / Assets | 8.88% | 8.71% | 9.85% | 9.47% | 9.83% | 10.32% | 10.10% | 10.60% | +113 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 101.34% | 101.18% | 99.05% | 97.30% | 102.06% | 92.80% | 97.01% | 103.72% | +642 bps | |
| Liquid Assets / Assets | 3.44% | 3.68% | 3.14% | 2.39% | 2.50% | 1.40% | 1.09% | 0.92% | -147 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |