San Diego, CA · Cert 57608
FDIC
Q1 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2013, the quarter ended March 31, 2013, 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.
San Diego, CA · Cert 57608
FDIC
Q1 2013
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 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.56% | 0.60% | 0.78% | 0.89% | 0.84% | 0.83% | 0.82% | 0.51% | -38 bps | |
| Return on Equity | 6.22% | 6.43% | 8.13% | 8.37% | 7.74% | 7.47% | 7.42% | 4.53% | -384 bps | |
| Net Interest Margin | 3.48% | 3.10% | 3.12% | 3.28% | 3.10% | 3.10% | 2.97% | 2.71% | -57 bps | |
| Efficiency Ratio | 82.07% | 84.86% | 80.31% | 72.23% | 74.05% | 76.36% | 78.61% | 79.81% | +758 bps | |
| Non-Interest Burden | 2.82% | 2.60% | 2.46% | 2.29% | 2.24% | 2.31% | 2.29% | 2.12% | -17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 16.74% | 10.45% | 4.99% | 8.66% | 8.20% | 2.98% | 13.38% | -4.02% | -1,268 bps | |
| Loan Growth (YoY) | -20.98% | -17.26% | -20.49% | -11.09% | -11.58% | -15.70% | -6.15% | -2.41% | +868 bps | |
| Deposit Growth (YoY) | 19.44% | 11.45% | -1.54% | 6.04% | 5.31% | 0.15% | 11.51% | 5.07% | -97 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 | -1.38% | -0.89% | -0.69% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 4.38% | 4.25% | 3.69% | 3.76% | 3.81% | 3.52% | 2.72% | 2.67% | -109 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 | 26.41% | 26.06% | 26.85% | 26.28% | 27.21% | 29.40% | 29.67% | 30.90% | +461 bps | |
| Equity / Assets | 9.63% | 10.05% | 10.65% | 10.71% | 11.30% | 11.68% | 10.63% | 12.10% | +139 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 23.15% | 22.76% | 23.54% | 22.43% | 19.44% | 19.15% | 19.81% | 20.83% | -160 bps | |
| Liquid Assets / Assets | 13.89% | 19.36% | 14.21% | 6.38% | 8.72% | 11.54% | 23.40% | 10.86% | +448 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |