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Coronado First Bank

Coronado, CA · Cert 58019

FDIC

Q3 2011

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 2011, the quarter ended September 30, 2011, 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

Coronado First Bank

Coronado, CA · Cert 58019

FDIC

Q3 2011

$79.9MAssets
$49.5MLoans
$71.2MDeposits
$8.6MEquity
Loan mix
80%RE $24.0M19%C&I $5.8M1%Consumer $0.2MQ3 2010Q3 2011
Deposit mix
79%Interest-bearing $56.1M21%Noninterest $15.0MQ3 2010Q3 2011

NIM

5.35%Q3 ’095.11%Q3 ’104.95%Q3 ’11+10%+9%

Non-interest income vs. expense

3.72%Q3 ’093.80%Q3 ’104.80%Q3 ’11+7%+20%

Executive Summary

  • Earnings: ROA of -1.38%, down 118 bps year over year; NIM at 4.41%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 1.77%.
  • Funding: loans stand at 69.54% of deposits as of Q3 2011.

Financial Results

Return on Assets (YTD, annualized)

-1.38%-118 bps YoY

Net Interest Margin (YTD, annualized)

4.41%+35 bps YoY

Efficiency Ratio (YTD, annualized)

106.24%+1,030 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2010Q4 2010Q1 2011Q2 2011Q3 2011YoY ΔTrend
Earnings
Return on Assets-0.20%-0.12%0.07%-1.88%-1.38%-118 bps
Return on Equity-2.02%-1.18%0.64%-16.88%-12.51%-1,050 bps
Net Interest Margin4.06%4.34%4.47%4.56%4.41%+35 bps
Efficiency Ratio95.93%95.95%96.83%105.43%106.24%+1,030 bps
Non-Interest Burden3.90%4.16%4.33%4.81%4.69%+80 bps
Growth
Asset Growth (YoY)-7.49%-11.15%-10.90%-18.39%-10.91%-342 bps
Loan Growth (YoY)-21.03%-16.25%-17.97%-21.63%-24.85%-382 bps
Deposit Growth (YoY)-7.42%-12.25%-11.86%-19.53%-11.18%-376 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.82%1.17%0.51%2.81%1.77%+95 bps
Allowance / Loans2.39%1.95%1.96%2.07%2.52%+13 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 Capital14.50%14.71%15.76%15.61%16.80%+230 bps
Equity / Assets10.45%11.21%11.23%10.89%10.73%+28 bps
Liquidity & Funding
Loans / Deposits82.19%86.14%81.68%77.88%69.54%-1,265 bps
Liquid Assets / Assets19.10%15.50%21.23%23.92%33.90%+1,480 bps
CRE / Total Capitaln/an/an/an/an/an/an/a