Escondido, CA · Cert 57590
FDIC
Q4 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.33% | 0.40% | 0.27% | 0.49% | -1.19% | -1.76% | -2.75% | 1.34% | +85 bps | |
| Return on Equity | 2.13% | 2.70% | 1.88% | 3.55% | -8.80% | -13.80% | -22.97% | 11.36% | +781 bps | |
| Net Interest Margin | 3.76% | 3.49% | 3.62% | 3.74% | 3.79% | 3.99% | 3.67% | 3.62% | -12 bps | |
| Efficiency Ratio | 71.57% | 79.26% | 80.81% | 66.38% | 78.68% | 80.61% | 79.71% | 82.86% | +1,648 bps | |
| Non-Interest Burden | 2.57% | 2.69% | 2.85% | 2.31% | 2.92% | 3.15% | 2.87% | 2.92% | +61 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.32% | 13.95% | 7.64% | 8.08% | 4.23% | 0.63% | 7.18% | 6.90% | -117 bps | |
| Loan Growth (YoY) | 32.00% | 26.84% | 18.16% | 14.44% | 23.34% | 22.74% | 15.74% | 10.81% | -363 bps | |
| Deposit Growth (YoY) | 9.45% | 16.27% | 8.75% | 10.88% | 6.71% | 3.06% | 11.18% | 9.19% | -169 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% | 0.52% | 0.28% | 0.11% | 3.72% | 1.37% | 0.48% | 4.26% | +415 bps | |
| Allowance / Loans | 1.26% | 1.10% | 1.06% | 1.29% | 1.27% | 2.22% | 2.52% | 2.56% | +127 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 | 19.04% | 18.52% | 16.27% | 16.66% | 15.59% | 15.10% | 14.68% | 15.26% | -140 bps | |
| Equity / Assets | 15.10% | 14.60% | 13.67% | 13.94% | 13.07% | 12.49% | 11.50% | 12.15% | -180 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 68.35% | 68.03% | 72.48% | 75.43% | 79.00% | 81.02% | 75.45% | 76.55% | +112 bps | |
| Liquid Assets / Assets | 23.28% | 24.15% | 16.60% | 21.21% | 10.04% | 17.10% | 24.19% | 25.42% | +421 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |