San Luis Obispo, CA · Cert 58614
FDIC
Q2 2012
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.04%1 | 0.30%1 | 0.81% | 0.74% | 0.65% | 2.30% | 0.71% | -1.41% | -215 bps | |
| Return on Equity | 0.24% | 1.66% | 4.72% | 4.38% | 3.90% | 13.97% | 4.25% | -8.70% | -1,307 bps | |
| Net Interest Margin | 3.39% | 3.69% | 3.72% | 3.89% | 3.85% | 4.00% | 4.02% | 4.05% | +16 bps | |
| Efficiency Ratio | 95.24% | 83.93% | 75.56% | 72.77% | 67.56% | 59.38% | 60.74% | 104.46% | +3,169 bps | |
| Non-Interest Burden | 3.24% | 3.17% | 2.79% | 2.86% | 2.74% | 2.35% | 2.39% | 4.26% | +139 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 16.08% | 12.77% | 17.99% | 14.89% | 17.15% | 13.23% | 9.50% | 11.13% | -377 bps | |
| Loan Growth (YoY) | 11.73% | 19.30% | 23.42% | 17.20% | 19.93% | 10.57% | 9.60% | 12.84% | -436 bps | |
| Deposit Growth (YoY) | 19.82% | 15.60% | 19.28% | 20.00% | 21.01% | 19.54% | 9.95% | 12.04% | -797 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 | 1.24% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.44% | 1.46% | 1.46% | 1.51% | 1.69% | 1.78% | 1.90% | 1.92% | +41 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 | 25.27% | 23.83% | 23.56% | 23.09% | 22.77% | 23.11% | 23.11% | 21.39% | -170 bps | |
| Equity / Assets | 18.24% | 17.44% | 16.80% | 16.85% | 16.28% | 16.67% | 16.64% | 15.89% | -96 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.36% | 94.84% | 88.35% | 89.91% | 86.58% | 87.73% | 88.07% | 90.55% | +65 bps | |
| Liquid Assets / Assets | 1.30% | 0.17% | 1.14% | 1.76% | 1.16% | 0.76% | 0.22% | 0.22% | -154 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |