Palm Desert, CA · Cert 57976
FDIC
Q2 2012
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 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.33% | 0.07%1 | -0.99% | -1.17% | -1.21% | -1.30% | -1.15% | -1.04% | +14 bps | |
| Return on Equity | 2.82% | 0.65% | -9.30% | -11.02% | -11.44% | -12.36% | -11.52% | -10.38% | +64 bps | |
| Net Interest Margin | 4.65% | 4.57% | 4.84% | 4.62% | 4.60% | 4.61% | 4.22% | 4.04% | -59 bps | |
| Efficiency Ratio | 90.02% | 88.44% | 102.85% | 96.11% | 101.05% | 106.15% | 100.89% | 102.34% | +623 bps | |
| Non-Interest Burden | 4.16% | 4.01% | 4.98% | 4.44% | 4.64% | 4.90% | 4.26% | 4.14% | -30 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.10% | 4.74% | 10.60% | 2.74% | 2.91% | -4.56% | -3.98% | -5.69% | -843 bps | |
| Loan Growth (YoY) | 4.57% | 9.82% | 4.50% | 0.14% | -1.51% | -7.35% | -8.35% | -10.39% | -1,052 bps | |
| Deposit Growth (YoY) | -3.66% | 5.91% | 12.39% | 3.80% | 4.43% | -3.96% | -3.18% | -5.17% | -897 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 | 1.56% | 1.43% | 1.52% | 1.16% | 1.38% | 1.40% | 3.35% | 1.55% | +39 bps | |
| Allowance / Loans | 1.74% | 1.89% | 1.91% | 2.42% | 2.11% | 2.06% | 1.75% | 2.22% | -20 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 | 14.89% | 14.39% | 14.35% | 14.41% | 13.77% | 13.76% | 13.88% | 14.23% | -19 bps | |
| Equity / Assets | 11.67% | 11.01% | 10.39% | 10.55% | 10.36% | 10.35% | 9.64% | 9.96% | -60 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.50% | 88.38% | 80.38% | 81.53% | 85.35% | 85.27% | 76.09% | 77.04% | -448 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 5.23% | 6.76% | 6.77% | 7.09% | 6.70% | 6.91% | +15 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |