Oxnard, CA · Cert 57441
FDIC
Q2 2011
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -5.41% | -14.41% | -1.13% | -18.19% | -2.07% | -16.87% | -2.18% | -2.43% | +1,576 bps | |
| Return on Equity | -91.85% | -386% | -55.40% | -349% | -24.91% | -261% | -51.75% | -63.40% | +28,516 bps | |
| Net Interest Margin | 3.27% | 3.33% | 3.36% | 3.34% | 3.34% | 3.36% | 3.51% | 3.19% | -15 bps | |
| Efficiency Ratio | 145.65% | 264% | 132.05% | 289% | 148.40% | 1463% | 156.78% | 171.36% | -11,792 bps | |
| Non-Interest Burden | 4.39% | 11.03% | 4.48% | 8.67% | 4.99% | 14.38% | 5.69% | 5.64% | -303 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 | 1.83% | 9.46% | -0.02% | 11.30% | 5.26% | 12.96% | -2.25% | -4.18% | -1,548 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 |