PackageTrendsPeer
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Pacific Coast National Bank

San Clemente, CA · Cert 57914

FDIC

Q3 2009

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2009, the quarter ended September 30, 2009, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Pacific Coast National Bank

San Clemente, CA · Cert 57914

FDIC

Q3 2009

$131.4MAssets
$109.5MLoans
$128.9MDeposits
$2.0MEquity
Loan mix
63%RE $50.3M37%C&I $29.9M0%Consumer $0.0MQ3 2008Q3 2009
Deposit mix
84%Interest-bearing $108.6M16%Noninterest $20.3MQ3 2008Q3 2009

NIM

6.08%Q3 ’076.10%Q3 ’084.85%Q3 ’09-5%-21%

Non-interest income vs. expense

7.73%Q3 ’075.09%Q3 ’085.17%Q3 ’09-39%+17%

Executive Summary

  • Earnings: ROA of -6.56%, down 499 bps year over year; NIM at 3.07%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 8.07%.
  • Funding: loans stand at 84.98% of deposits as of Q3 2009.

Financial Results

Return on Assets (YTD, annualized)

-6.56%-499 bps YoY

Net Interest Margin (YTD, annualized)

3.07%-80 bps YoY

Efficiency Ratio (YTD, annualized)

156.44%+4,935 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2008Q4 2008Q1 2009Q2 2009Q3 2009YoY ΔTrend
Earnings
Return on Assets-1.57%-6.59%-10.20%-6.09%-6.56%-499 bps
Return on Equity-16.86%-81.82%-292%-182.76%-223%-20,658 bps
Net Interest Margin3.86%3.57%3.34%2.69%3.07%-80 bps
Efficiency Ratio107.10%109.71%131.94%149.67%156.44%+4,935 bps
Non-Interest Burden4.20%3.99%4.52%4.19%4.93%+73 bps
Growth
Asset Growth (YoY)53.85%27.01%36.77%9.65%-4.82%-5,867 bps
Loan Growth (YoY)69.09%37.81%23.40%-2.75%-15.98%-8,508 bps
Deposit Growth (YoY)64.42%37.81%47.00%15.88%3.66%-6,076 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans1.25%2.37%6.35%9.24%8.07%+682 bps
Allowance / Loans1.33%4.86%5.96%4.01%4.67%+335 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital10.11%5.06%5.12%4.94%3.07%-704 bps
Equity / Assets8.81%3.67%3.33%3.02%1.56%-725 bps
Liquidity & Funding
Loans / Deposits104.85%98.32%87.01%77.77%84.98%-1,987 bps
Liquid Assets / Assets0.00%0.16%0.18%0.14%0.29%+29 bps
CRE / Total Capitaln/an/an/an/an/an/an/a