Oxnard, CA · Cert 57441
FDIC
Q2 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2011, the quarter ended June 30, 2011, 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.
Oxnard, CA · Cert 57441
FDIC
Q2 2011
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 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -6.01% | -8.07% | -1.13% | -9.42% | -7.04% | -9.39% | -2.18% | -2.32% | +710 bps | |
| Return on Equity | -86.07% | -132.31% | -55.40% | -229% | -137.70% | -187.87% | -51.75% | -57.45% | +17,180 bps | |
| Net Interest Margin | 2.93% | 3.14% | 3.36% | 3.35% | 3.46% | 3.49% | 3.51% | 3.35% | 0 bps | |
| Efficiency Ratio | 131.55% | 264% | 132.05% | 289% | 221% | 1463% | 156.78% | 163.67% | -12,561 bps | |
| Non-Interest Burden | 3.76% | 5.73% | 4.48% | 6.58% | 6.27% | 8.41% | 5.69% | 5.66% | -92 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.13% | -15.02% | -20.83% | -16.01% | -20.72% | -17.24% | -4.16% | -9.82% | +619 bps | |
| Loan Growth (YoY) | -18.20% | -29.09% | -25.35% | -21.17% | -22.65% | -23.85% | -28.46% | -28.79% | -763 bps | |
| Deposit Growth (YoY) | -2.00% | -17.29% | -20.92% | -14.44% | -21.12% | -16.05% | -6.65% | -5.79% | +865 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 | 7.08% | 8.39% | -0.02% | 5.64% | 5.69% | 8.15% | -2.25% | -3.26% | -890 bps | |
| Allowance / Loans | 2.88% | 3.49% | 3.68% | 5.10% | 4.19% | 4.27% | 5.34% | 6.60% | +150 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 | 7.50% | 3.54% | 3.32% | 11.80% | 11.41% | 6.85% | 6.46% | 6.24% | -556 bps | |
| Equity / Assets | 5.21% | 2.06% | 2.03% | 8.32% | 8.31% | 4.46% | 3.96% | 3.71% | -461 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.91% | 80.22% | 79.56% | 80.11% | 80.32% | 72.77% | 60.97% | 60.55% | -1,956 bps | |
| Liquid Assets / Assets | 3.54% | 3.25% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 29.40% | +2,940 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |