Mountain View, CA · Cert 58808
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.
Mountain View, CA · Cert 58808
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 | -6.86% | -3.64% | -3.01% | -2.49% | -2.60% | -2.99% | -1.79% | -0.91% | +157 bps | |
| Return on Equity | -12.84% | -11.63% | -10.34% | -8.65% | -9.34% | -13.14% | -8.21% | -4.42% | +424 bps | |
| Net Interest Margin | 1.59% | 2.59% | 2.58% | 2.53% | 2.71% | 3.12% | 3.26% | 3.16% | +63 bps | |
| Efficiency Ratio | 259% | 225% | 203% | 160.72% | 159.55% | 169.43% | 140.21% | 117.77% | -4,295 bps | |
| Non-Interest Burden | 6.10% | 5.89% | 5.29% | 4.53% | 4.70% | 5.25% | 4.58% | 3.72% | -81 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 140.32% | 105.02% | 91.49% | 60.84% | 27.04% | 24.87% | 17.67% | 45.64% | -1,520 bps | |
| Loan Growth (YoY) | 1395% | 542% | 153.68% | 57.65% | 57.44% | 83.43% | 75.60% | 91.11% | +3,346 bps | |
| Deposit Growth (YoY) | 1876% | 342% | 172.77% | 122.65% | 45.60% | 38.69% | 42.64% | 66.53% | -5,611 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% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 2.08% | 2.17% | 1.73% | 2.10% | 2.12% | 2.07% | 1.71% | 1.66% | -44 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 | 54.23% | 52.77% | 43.97% | 46.27% | 39.23% | 32.47% | 27.50% | 25.64% | -2,063 bps | |
| Equity / Assets | 33.82% | 29.07% | 25.40% | 27.65% | 24.42% | 21.28% | 20.01% | 17.98% | -967 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 70.06% | 60.36% | 72.83% | 70.90% | 75.76% | 79.84% | 89.66% | 81.36% | +1,046 bps | |
| Liquid Assets / Assets | 35.79% | 47.38% | 46.28% | 42.76% | 30.19% | 20.08% | 17.41% | 13.23% | -2,952 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |