Napa, CA · Cert 57855
FDIC
Q4 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2010, the quarter ended December 31, 2010, 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.
Napa, CA · Cert 57855
FDIC
Q4 2010
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 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.35% | -0.19% | 0.04% | -2.48% | -4.53% | -10.20% | -8.54% | -9.62% | -714 bps | |
| Return on Equity | 2.84% | -1.54% | 0.35% | -21.89% | -51.10% | -135.96% | -130.52% | -175.57% | -15,368 bps | |
| Net Interest Margin | 4.06% | 4.25% | 4.21% | 3.96% | 4.36% | 4.57% | 4.48% | 4.58% | +62 bps | |
| Efficiency Ratio | 81.03% | 78.48% | 76.60% | 74.85% | 79.16% | 76.70% | 79.71% | 81.07% | +622 bps | |
| Non-Interest Burden | 3.22% | 3.26% | 3.15% | 2.89% | 3.37% | 3.41% | 3.49% | 3.60% | +71 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 27.42% | 24.63% | 17.46% | 12.36% | -5.46% | -2.71% | -12.03% | -21.22% | -3,358 bps | |
| Loan Growth (YoY) | 31.23% | 32.90% | 13.71% | 5.03% | -1.01% | -5.58% | -13.05% | -17.72% | -2,275 bps | |
| Deposit Growth (YoY) | 26.64% | 21.96% | 18.62% | 19.48% | 1.59% | 5.07% | -6.31% | -17.79% | -3,727 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% | 0.41% | 3.13% | 3.85% | 4.56% | 9.55% | 10.02% | +689 bps | |
| Allowance / Loans | 1.47% | 1.96% | 1.90% | 2.37% | 3.01% | 5.59% | 3.25% | 5.33% | +297 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 | 12.94% | 12.67% | 12.86% | 10.39% | 9.73% | 6.09% | 5.05% | 1.06% | -933 bps | |
| Equity / Assets | 11.89% | 12.02% | 11.32% | 8.97% | 8.76% | 4.64% | 3.49% | 0.49% | -848 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 113.03% | 121.00% | 107.74% | 101.52% | 110.14% | 108.73% | 99.99% | 101.61% | +9 bps | |
| Liquid Assets / Assets | 0.04% | 0.06% | 0.06% | 0.08% | 0.05% | 5.57% | 9.76% | 10.08% | +1,000 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |