San Clemente, CA · Cert 57914
FDIC
Q3 2009
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 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| 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 Margin | 3.86% | 3.57% | 3.34% | 2.69% | 3.07% | -80 bps | |
| Efficiency Ratio | 107.10% | 109.71% | 131.94% | 149.67% | 156.44% | +4,935 bps | |
| Non-Interest Burden | 4.20% | 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 / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 1.25% | 2.37% | 6.35% | 9.24% | 8.07% | +682 bps | |
| Allowance / Loans | 1.33% | 4.86% | 5.96% | 4.01% | 4.67% | +335 bps | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 10.11% | 5.06% | 5.12% | 4.94% | 3.07% | -704 bps | |
| Equity / Assets | 8.81% | 3.67% | 3.33% | 3.02% | 1.56% | -725 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 104.85% | 98.32% | 87.01% | 77.77% | 84.98% | -1,987 bps | |
| Liquid Assets / Assets | 0.00% | 0.16% | 0.18% | 0.14% | 0.29% | +29 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |