Escondido, CA · Cert 57590
FDIC
Q4 2009
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 | 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% | 0.37% | 0.33% | 0.38% | -1.19% | -1.48% | -1.91% | -1.08% | -145 bps | |
| Return on Equity | 2.13% | 2.41% | 2.25% | 2.56% | -8.80% | -11.26% | -15.01% | -8.55% | -1,110 bps | |
| Net Interest Margin | 3.76% | 3.65% | 3.60% | 3.56% | 3.79% | 3.85% | 3.69% | 3.70% | +14 bps | |
| Efficiency Ratio | 71.57% | 75.25% | 77.11% | 74.25% | 78.68% | 79.68% | 79.69% | 80.49% | +624 bps | |
| Non-Interest Burden | 2.57% | 2.64% | 2.68% | 2.53% | 2.92% | 3.00% | 2.88% | 2.91% | +38 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% | 0.26% | 0.26% | 0.21% | 3.72% | 2.48% | 1.82% | 2.45% | +224 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 |