San Diego, CA · Cert 57808
FDIC
Q2 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2011, the quarter ended June 30, 2011, 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 57808
FDIC
Q2 2011
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 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.68% | -2.71% | -3.40% | -2.64% | -2.39% | -4.71% | 0.93% | -0.63% | +200 bps | |
| Return on Equity | -26.89% | -28.05% | -34.75% | -26.04% | -23.70% | -48.42% | 10.92% | -7.47% | +1,857 bps | |
| Net Interest Margin | 3.69% | 3.83% | 4.09% | 4.21% | 4.42% | 4.49% | 4.51% | 4.54% | +33 bps | |
| Efficiency Ratio | 99.10% | 96.12% | 93.57% | 91.44% | 92.47% | 97.58% | 77.71% | 81.31% | -1,013 bps | |
| Non-Interest Burden | 3.66% | 3.68% | 3.82% | 3.85% | 4.09% | 6.28% | 3.44% | 3.63% | -22 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 20.77% | 8.43% | 303% | 263% | 249% | 248% | -17.70% | -12.38% | -27,517 bps | |
| Loan Growth (YoY) | 1.65% | -2.36% | 311% | 272% | 277% | 258% | -14.12% | -15.85% | -28,777 bps | |
| Deposit Growth (YoY) | 31.45% | 17.51% | 305% | 259% | 243% | 245% | -13.99% | -8.74% | -26,820 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 | 2.01% | 2.31% | 0.84% | 2.07% | 2.51% | 2.57% | 0.57% | 3.11% | +103 bps | |
| Allowance / Loans | 2.14% | 2.45% | 3.45% | 3.68% | 3.76% | 4.26% | 4.13% | 4.04% | +36 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 | 12.46% | 11.83% | 12.00% | 11.67% | 11.53% | 11.22% | 11.71% | 11.46% | -21 bps | |
| Equity / Assets | 8.10% | 8.42% | 10.09% | 10.60% | 9.93% | 8.44% | 8.67% | 8.37% | -224 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 75.72% | 83.99% | 86.58% | 90.10% | 83.15% | 87.23% | 86.45% | 83.08% | -702 bps | |
| Liquid Assets / Assets | 27.41% | 17.02% | 16.89% | 13.43% | 19.90% | 16.76% | 16.67% | 19.74% | +631 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |