San Diego, CA · Cert 57357
FDIC
Q2 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2012, the quarter ended June 30, 2012, 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.
San Diego, CA · Cert 57357
FDIC
Q2 2012
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 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.05% | -0.21% | 0.37% | 0.35%1 | 0.03%1 | 0.09%1 | 0.55% | 0.50% | +15 bps | |
| Return on Equity | 0.38% | -1.66% | 3.29% | 3.13% | 0.30% | 0.76% | 4.46% | 4.08% | +94 bps | |
| Net Interest Margin | 3.78% | 3.72% | 4.04% | 4.00% | 3.76% | 4.02% | 4.15% | 4.22% | +22 bps | |
| Efficiency Ratio | 80.63% | 79.61% | 81.82% | 83.86% | 83.86% | 82.88% | 77.39% | 80.37% | -349 bps | |
| Non-Interest Burden | 2.96% | 2.88% | 3.23% | 3.29% | 3.10% | 3.27% | 3.12% | 3.31% | +2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.99% | 14.24% | 14.42% | 10.91% | 3.36% | 3.90% | -2.74% | 1.78% | -913 bps | |
| Loan Growth (YoY) | 1.50% | 5.31% | 1.84% | 4.23% | 10.45% | 5.10% | 11.40% | 6.55% | +232 bps | |
| Deposit Growth (YoY) | 11.94% | 19.34% | 19.92% | 14.16% | 3.44% | -2.16% | -4.33% | 4.50% | -967 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 | 0.60% | 1.09% | 1.75% | 0.84% | 1.65% | 1.39% | 0.10% | 0.05% | -79 bps | |
| Allowance / Loans | 1.88% | 1.94% | 1.69% | 1.83% | 1.57% | 1.53% | 1.55% | 1.56% | -27 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 | 15.75% | 14.82% | 15.55% | 15.07% | 16.01% | 15.65% | 15.94% | 16.30% | +124 bps | |
| Equity / Assets | 11.64% | 11.31% | 11.04% | 11.01% | 11.91% | 11.99% | 12.64% | 12.08% | +108 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.91% | 93.53% | 85.44% | 87.68% | 92.80% | 100.46% | 99.49% | 89.40% | +173 bps | |
| Liquid Assets / Assets | 15.16% | 7.73% | 13.91% | 14.19% | 9.33% | 10.31% | 6.58% | 13.38% | -81 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |