Oxnard, CA · Cert 58897
FDIC
Q2 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2009, the quarter ended June 30, 2009, 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.
Oxnard, CA · Cert 58897
FDIC
Q2 2009
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 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|
| Earnings | |||||
| Return on Assets | -46.05% | -43.33% | -31.18% | n/a | |
| Return on Equity | n/a | -61.39% | -53.36% | n/a | |
| Net Interest Margin | 4.38% | 2.14% | 2.36% | n/a | |
| Efficiency Ratio | 1776% | 2131% | 555% | n/a | |
| Non-Interest Burden | 82.73% | 47.05% | 28.37% | n/a | |
| Growth | |||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | n/a |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | n/a |
| Asset Quality | |||||
| Nonperforming Loans / Loans | n/a | 0.00% | 0.00% | n/a | |
| Net Charge-Offs / Loans | n/a | 0.00% | 0.00% | n/a | |
| Allowance / Loans | n/a | 0.30% | 0.62% | n/a | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 250% | 153.60% | 108.20% | n/a | |
| Equity / Assets | 88.60% | 57.00% | 41.16% | n/a | |
| Liquidity & Funding | |||||
| Loans / Deposits | 0.00% | 54.48% | 77.50% | n/a | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | n/a | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a |