San Marcos, CA · Cert 57136
FDIC
Q2 2009
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 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.42% | -0.12% | 0.01% | -1.51% | -1.38% | -2.24% | -2.69% | -2.74% | -123 bps | |
| Return on Equity | 4.74% | -1.32% | 0.12% | -16.22% | -14.66% | -23.30% | -26.30% | -26.53% | -1,031 bps | |
| Net Interest Margin | 4.55% | 4.18% | 3.81% | 4.01% | 3.99% | 3.72% | 2.65% | 3.07% | -93 bps | |
| Efficiency Ratio | 83.74% | 87.87% | 98.03% | 99.79% | 100.66% | 109.07% | 142.45% | 141.32% | +4,152 bps | |
| Non-Interest Burden | 3.74% | 3.62% | 3.72% | 4.00% | 4.02% | 4.09% | 3.95% | 4.53% | +54 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 | 0.91% | 0.62% | 0.58% | 1.14% | 2.24% | 3.95% | 1.52% | 0.95% | -20 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 |