Granite Bay, CA · Cert 57315
FDIC
Q1 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2010, the quarter ended March 31, 2010, 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.
Granite Bay, CA · Cert 57315
FDIC
Q1 2010
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 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.00% | 0.68% | -4.36% | -0.58% | -0.94% | -1.98% | -4.48% | -1.31% | -73 bps | |
| Return on Equity | 9.67% | 6.45% | -44.39% | -8.65% | -14.36% | -31.05% | -76.90% | -42.75% | -3,411 bps | |
| Net Interest Margin | 3.51% | 3.60% | 3.68% | 2.89% | 3.02% | 3.04% | 3.32% | 3.35% | +46 bps | |
| Efficiency Ratio | 68.42% | 72.41% | 81.69% | 117.02% | 127.31% | 110.76% | 146.95% | 124.14% | +713 bps | |
| Non-Interest Burden | 2.11% | 2.40% | 2.88% | 3.45% | 3.97% | 3.52% | 5.52% | 4.07% | +62 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.95% | -3.22% | -9.06% | -9.59% | -16.76% | -20.99% | -19.64% | -25.00% | -1,542 bps | |
| Loan Growth (YoY) | 2.88% | -5.66% | -9.95% | -12.78% | -18.45% | -22.93% | -23.44% | -26.17% | -1,339 bps | |
| Deposit Growth (YoY) | 14.25% | -5.75% | -3.94% | -4.32% | -13.89% | -12.07% | -8.83% | -21.57% | -1,724 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 | 0.43% | 0.79% | 4.18% | 0.09% | 4.19% | 6.11% | 6.63% | 3.15% | +305 bps | |
| Allowance / Loans | 2.24% | 2.17% | 5.47% | 5.63% | 3.91% | 3.56% | 4.04% | 3.73% | -190 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 | 12.65% | 13.05% | 8.59% | 8.55% | 8.44% | 7.88% | 4.73% | 4.75% | -380 bps | |
| Equity / Assets | 10.00% | 10.74% | 6.80% | 6.54% | 6.21% | 5.93% | 3.13% | 2.97% | -356 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.66% | 101.85% | 104.09% | 93.58% | 87.75% | 89.27% | 87.41% | 88.09% | -549 bps | |
| Liquid Assets / Assets | 2.07% | 0.61% | 3.31% | 0.61% | 0.44% | 5.70% | 6.46% | 7.84% | +723 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |