Palm Desert, CA · Cert 58487
FDIC
Q4 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.34% | -2.90% | -1.88% | -1.40% | -3.32% | -1.68% | -19.59% | -6.32% | -492 bps | |
| Return on Equity | -10.94% | -11.19% | -8.85% | -7.67% | -20.19% | -11.34% | -168.87% | -76.50% | -6,883 bps | |
| Net Interest Margin | 5.04% | 4.41% | 4.35% | 3.85% | 3.48% | 4.16% | 4.18% | 4.44% | +59 bps | |
| Efficiency Ratio | 186.92% | 183.97% | 156.15% | 140.38% | 152.11% | 123.06% | 95.45% | 249% | +10,817 bps | |
| Non-Interest Burden | 9.88% | 8.27% | 6.86% | 5.43% | 5.33% | 5.15% | 3.92% | 7.74% | +230 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 117.18% | 82.20% | 81.20% | 71.24% | 62.48% | 49.65% | 23.59% | 16.72% | -5,452 bps | |
| Loan Growth (YoY) | 507% | 132.16% | 75.92% | 60.89% | 55.73% | 43.26% | 29.76% | 10.30% | -5,059 bps | |
| Deposit Growth (YoY) | 479% | 168.95% | 137.23% | 111.09% | 91.60% | 69.23% | 38.75% | 31.26% | -7,984 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 | 0.00% | 0.00% | 0.00% | 0.00% | 3.60% | 1.81% | 2.19% | 1.19% | +119 bps | |
| Allowance / Loans | 1.45% | 1.50% | 1.50% | 1.55% | 1.61% | 1.62% | 3.00% | 3.88% | +232 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 | 28.69% | 23.77% | 20.94% | 19.32% | 16.55% | 15.12% | 13.35% | 12.11% | -722 bps | |
| Equity / Assets | 28.13% | 24.00% | 18.92% | 17.58% | 15.36% | 14.22% | 9.04% | 7.49% | -1,010 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 115.57% | 110.24% | 92.42% | 95.51% | 93.94% | 93.32% | 86.43% | 80.26% | -1,525 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 13.38% | 13.63% | 11.54% | 18.00% | 20.82% | +745 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |