Goleta, CA · Charter 12311
Q3 2006
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.22% | 0.05% | 0.13% | -0.01% | -0.18% | -0.63% | -0.69% | -5.01% | -501 bps | |
| Return on Equity | 1.74% | 0.40% | 0.95% | -0.04% | -1.31% | -4.59% | -4.95% | -45.03% | -4,499 bps | |
| Net Interest Margin | 3.55% | 3.80% | 3.76% | 3.83% | 4.08% | 3.83% | 3.96% | -3.72% | -755 bps | |
| Efficiency Ratio | 84.62% | 92.35% | 98.03% | 100.82% | 101.43% | 106.89% | 112.20% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.76% | -8.62% | -7.48% | -4.89% | -8.33% | -5.36% | -9.99% | -15.67% | -1,078 bps | |
| Loan Growth (YoY) | 0.30% | 12.09% | 27.28% | 29.35% | 21.84% | 18.79% | 14.54% | 9.27% | -2,008 bps | |
| Share Growth (YoY) | -5.21% | -9.22% | -8.82% | -6.53% | -9.13% | -5.74% | -13.74% | -13.01% | -648 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.15% | 0.96% | 0.49% | 0.44% | 0.36% | 0.12% | 0.07% | 0.92% | +48 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 | 2.06% | 1.87% | 1.35% | 0.93% | 1.14% | 1.11% | 0.99% | 0.90% | -4 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.88% | 13.35% | 13.19% | 13.17% | 13.86% | 13.75% | 14.05% | 11.13% | -204 bps | |
| Net Worth / Assets | 12.88% | 13.35% | 13.19% | 13.17% | 13.86% | 13.75% | 14.05% | 11.13% | -204 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 50.31% | 55.44% | 59.78% | 62.43% | 67.45% | 69.87% | 79.38% | 78.42% | +1,599 bps | |
| Liquid Assets / Assets | 17.84% | 14.09% | 12.96% | 12.74% | 11.96% | 12.58% | 0.00% | 0.00% | -1,274 bps | |