San Luis Obispo, CA · Cert 58614
FDIC
Q2 2012
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 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.20%1 | 0.22%1 | 0.81% | 0.77% | 0.73% | 1.14% | 0.71% | -0.37% | -114 bps | |
| Return on Equity | 1.06% | 1.21% | 4.72% | 4.55% | 4.33% | 6.80% | 4.25% | -2.23% | -677 bps | |
| Net Interest Margin | 3.39% | 3.38% | 3.72% | 3.72% | 3.64% | 3.69% | 4.02% | 3.96% | +24 bps | |
| Efficiency Ratio | 85.53% | 85.16% | 75.56% | 74.14% | 71.98% | 68.40% | 60.74% | 84.38% | +1,024 bps | |
| Non-Interest Burden | 2.84% | 2.85% | 2.79% | 2.77% | 2.67% | 2.56% | 2.39% | 3.28% | +51 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 | 1.16% | 0.78% | 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 |