Pittsburg, CA · Charter 13120
Q1 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2014, the quarter ended March 31, 2014, 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.
Pittsburg, CA · Charter 13120
Q1 2014
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 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.81% | -0.55% | -0.54% | -1.97% | -1.75% | -1.66% | -1.65% | -1.83% | +14 bps | |
| Return on Equity | -9.24% | -5.88% | -5.86% | -23.44% | -21.14% | -20.53% | -20.82% | -24.03% | -59 bps | |
| Net Interest Margin | 3.65% | 3.82% | 3.77% | 2.96% | 3.13% | 3.04% | 3.03% | 2.58% | -38 bps | |
| Efficiency Ratio | 123.42% | 115.20% | 114.62% | 159.30% | 149.81% | 147.81% | 148.04% | 156.75% | -255 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.62% | -12.41% | -11.10% | -6.51% | -5.52% | -1.80% | -3.28% | -8.78% | -227 bps | |
| Loan Growth (YoY) | -17.25% | -13.48% | -18.28% | -13.24% | -14.66% | -9.47% | -6.45% | -12.59% | +64 bps | |
| Share Growth (YoY) | -11.10% | -13.25% | -11.57% | -6.16% | -4.69% | -0.25% | -1.83% | -7.92% | -176 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.99% | 2.06% | 3.91% | 3.18% | 4.27% | 3.84% | 3.42% | 0.63% | -255 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 | 3.33% | 3.55% | 3.84% | 4.04% | 4.39% | 4.63% | 4.73% | 4.57% | +53 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.73% | 9.27% | 9.28% | 8.40% | 8.26% | 8.07% | 7.94% | 7.61% | -79 bps | |
| Net Worth / Assets | 8.73% | 9.27% | 9.28% | 8.40% | 8.26% | 8.07% | 7.94% | 7.61% | -79 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 36.75% | 36.81% | 34.85% | 33.04% | 32.91% | 33.41% | 33.20% | 31.36% | -168 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |