Oakland, CA · Cert 58400
FDIC
Q3 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2010, the quarter ended September 30, 2010, 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.
Oakland, CA · Cert 58400
FDIC
Q3 2010
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 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -5.65% | -9.87% | -3.74% | -3.35% | -2.63% | -0.21% | 0.31%1 | 0.56% | +392 bps | |
| Return on Equity | -32.35% | -94.30% | -37.47% | -29.71% | -22.01% | -1.56% | 2.27% | 4.23% | +3,394 bps | |
| Net Interest Margin | 2.87% | 3.47% | 3.15% | 2.83% | 2.84% | 3.64% | 3.67% | 3.67% | +84 bps | |
| Efficiency Ratio | 144.79% | 138.64% | 140.19% | 150.14% | 142.31% | 102.08% | 92.53% | 89.87% | -6,028 bps | |
| Non-Interest Burden | 4.24% | 4.87% | 4.49% | 4.35% | 4.14% | 3.72% | 3.38% | 3.28% | -108 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 54.32% | 46.52% | 61.17% | 38.92% | 25.56% | 32.29% | 15.88% | 21.09% | -1,784 bps | |
| Loan Growth (YoY) | 143.97% | 115.79% | 80.64% | 29.04% | 11.89% | 14.21% | 15.97% | 25.78% | -326 bps | |
| Deposit Growth (YoY) | 64.59% | 66.87% | 89.82% | 79.46% | 33.11% | 26.98% | 9.09% | 24.42% | -5,504 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 | 0.05% | 5.02% | 5.03% | 3.95% | 2.91% | 0.72% | 0.62% | 0.34% | -361 bps | |
| Allowance / Loans | 1.31% | 2.28% | 1.78% | 2.78% | 2.56% | 2.22% | 1.94% | 1.56% | -121 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% | 12.30% | 13.83% | 21.77% | 20.57% | 18.98% | 18.40% | 18.78% | -299 bps | |
| Equity / Assets | 11.79% | 9.22% | 9.15% | 14.76% | 14.45% | 12.99% | 13.17% | 12.75% | -201 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.10% | 72.34% | 65.57% | 67.14% | 69.85% | 65.06% | 69.71% | 67.88% | +73 bps | |
| Liquid Assets / Assets | 0.01% | 0.01% | 9.66% | 20.45% | 2.23% | 10.13% | 0.69% | 6.40% | -1,405 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |