Coronado, CA · Cert 58019
FDIC
Q3 2011
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Coronado, CA · Cert 58019
FDIC
Q3 2011
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 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.98% | 0.27% | -0.45% | -0.20% | -0.12% | 0.07% | -1.88% | -1.38% | -118 bps | |
| Return on Equity | -16.64% | 2.70% | -4.49% | -2.02% | -1.18% | 0.64% | -16.88% | -12.51% | -1,050 bps | |
| Net Interest Margin | 3.72% | 3.81% | 3.92% | 4.06% | 4.34% | 4.47% | 4.56% | 4.41% | +35 bps | |
| Efficiency Ratio | 99.35% | 93.18% | 98.41% | 95.93% | 95.95% | 96.83% | 105.43% | 106.24% | +1,030 bps | |
| Non-Interest Burden | 3.70% | 3.55% | 3.86% | 3.90% | 4.16% | 4.33% | 4.81% | 4.69% | +80 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 29.30% | 14.07% | 1.05% | -7.49% | -11.15% | -10.90% | -18.39% | -10.91% | -342 bps | |
| Loan Growth (YoY) | 24.76% | -4.22% | -14.18% | -21.03% | -16.25% | -17.97% | -21.63% | -24.85% | -382 bps | |
| Deposit Growth (YoY) | 45.63% | 19.21% | 3.90% | -7.42% | -12.25% | -11.86% | -19.53% | -11.18% | -376 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 | 1.06% | 0.37% | 1.09% | 0.82% | 1.17% | 0.51% | 2.81% | 1.77% | +95 bps | |
| Allowance / Loans | 2.27% | 2.26% | 2.26% | 2.39% | 1.95% | 1.96% | 2.07% | 2.52% | +13 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 | 12.83% | 13.23% | 13.70% | 14.50% | 14.71% | 15.76% | 15.61% | 16.80% | +230 bps | |
| Equity / Assets | 10.05% | 10.20% | 9.57% | 10.45% | 11.21% | 11.23% | 10.89% | 10.73% | +28 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.25% | 87.76% | 79.97% | 82.19% | 86.14% | 81.68% | 77.88% | 69.54% | -1,265 bps | |
| Liquid Assets / Assets | 14.39% | 16.57% | 26.49% | 19.10% | 15.50% | 21.23% | 23.92% | 33.90% | +1,480 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |