Oakland, CA · Charter 11945
Q2 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2008, the quarter ended June 30, 2008, 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.
Oakland, CA · Charter 11945
Q2 2008
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.73% | -2.11% | -3.67% | -2.66% | -3.25% | -4.06% | -8.80% | -8.32% | -565 bps | |
| Return on Equity | -7.36% | -23.25% | -43.41% | -33.49% | -44.34% | -63.98% | -218% | -387% | -35,330 bps | |
| Net Interest Margin | 5.03% | 4.83% | 4.12% | 3.91% | 4.03% | 4.28% | 3.93% | 4.30% | +39 bps | |
| Efficiency Ratio | 83.73% | 94.51% | 96.60% | 93.03% | 93.23% | 92.77% | 137.47% | 116.50% | +2,346 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -20.17% | -22.58% | -23.67% | -15.64% | -13.21% | -12.59% | -8.35% | -10.24% | +540 bps | |
| Loan Growth (YoY) | -23.96% | -13.42% | -13.53% | -13.42% | -13.54% | -8.33% | -0.05% | 3.52% | +1,694 bps | |
| Share Growth (YoY) | -10.89% | -13.08% | -14.40% | -8.59% | -6.65% | -3.58% | 0.93% | -1.97% | +662 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.94% | 2.16% | 2.49% | 1.79% | 2.58% | 2.74% | 3.54% | 4.14% | +235 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.31% | 2.09% | 2.70% | 2.66% | 3.48% | 3.71% | 3.79% | 4.62% | +196 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.91% | 9.09% | 8.45% | 7.95% | 7.34% | 6.34% | 4.03% | 2.15% | -580 bps | |
| Net Worth / Assets | 9.91% | 9.09% | 8.45% | 7.95% | 7.34% | 6.34% | 4.03% | 2.15% | -580 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 108.50% | 108.23% | 104.68% | 99.75% | 100.50% | 102.89% | 103.67% | 105.33% | +558 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |