Escondido, CA · Cert 57533
FDIC
Q3 2012
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.97% | 0.29% | 0.36% | 0.51% | 0.29% | 0.14% | 0.51% | -0.74% | -125 bps | |
| Return on Equity | 8.88% | 2.74% | 3.39% | 4.82% | 2.73% | 1.35% | 4.81% | -6.78% | -1,160 bps | |
| Net Interest Margin | 3.66% | 3.56% | 3.24% | 3.47% | 3.31% | 3.48% | 3.62% | 3.69% | +22 bps | |
| Efficiency Ratio | 74.29% | 84.50% | 79.80% | 71.25% | 68.94% | 80.15% | 67.98% | 63.29% | -796 bps | |
| Non-Interest Burden | 2.68% | 2.98% | 2.55% | 2.41% | 2.22% | 2.75% | 2.42% | 2.28% | -13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.69% | 1.08% | 7.85% | 6.50% | 9.73% | 3.56% | 4.19% | -2.31% | -881 bps | |
| Loan Growth (YoY) | -9.33% | -4.89% | -2.72% | -3.18% | 7.04% | 9.41% | 11.98% | 15.84% | +1,902 bps | |
| Deposit Growth (YoY) | 0.58% | 0.99% | 9.87% | 8.27% | 12.09% | 4.94% | 4.18% | -2.66% | -1,093 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.32% | 0.00% | 0.77% | 0.06% | +6 bps | |
| Allowance / Loans | 2.00% | 1.95% | 1.98% | 2.04% | 2.09% | 2.07% | 1.93% | 2.75% | +71 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 | 16.30% | 15.89% | 16.02% | 16.49% | 16.09% | 15.28% | 15.30% | 14.70% | -179 bps | |
| Equity / Assets | 11.07% | 10.38% | 10.69% | 10.66% | 10.58% | 10.49% | 10.72% | 11.00% | +34 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 77.01% | 73.59% | 73.52% | 71.39% | 73.55% | 76.72% | 79.02% | 84.96% | +1,357 bps | |
| Liquid Assets / Assets | 19.73% | 22.69% | 21.73% | 24.96% | 24.23% | 22.11% | 19.60% | 15.51% | -945 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |