Mountain View, CA · Cert 58808
FDIC
Q3 2011
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.18% | -3.64% | -2.45% | -1.38% | -2.97% | -2.99% | -0.67% | 0.61% | +199 bps | |
| Return on Equity | -7.99% | -11.63% | -9.04% | -5.20% | -11.46% | -13.14% | -3.23% | 3.22% | +842 bps | |
| Net Interest Margin | 3.26% | 2.59% | 2.83% | 2.66% | 3.21% | 3.12% | 3.66% | 3.67% | +101 bps | |
| Efficiency Ratio | 120.28% | 225% | 184.46% | 116.51% | 156.11% | 169.43% | 117.96% | 83.12% | -3,339 bps | |
| Non-Interest Burden | 4.63% | 5.89% | 5.28% | 3.45% | 5.12% | 5.25% | 4.32% | 3.03% | -42 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 |