Napa, CA · Cert 57855
FDIC
Q4 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | -0.71% | 0.48% | -9.58% | -4.53% | -16.34% | -5.08% | -12.96% | -338 bps | |
| Return on Equity | 2.84% | -5.91% | 4.11% | -94.45% | -51.10% | -244% | -124.62% | -624% | -52,954 bps | |
| Net Interest Margin | 4.06% | 4.49% | 4.42% | 3.97% | 4.36% | 4.62% | 4.36% | 4.11% | +14 bps | |
| Efficiency Ratio | 81.03% | 76.18% | 73.09% | 69.70% | 79.16% | 74.29% | 85.97% | 85.07% | +1,537 bps | |
| Non-Interest Burden | 3.22% | 3.35% | 3.15% | 2.66% | 3.37% | 3.33% | 3.69% | 3.32% | +66 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% | 1.24% | 11.24% | 3.85% | 5.25% | 18.58% | 9.18% | -206 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 |