Vacaville, CA · Charter 13621
Q1 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.32% | 0.29% | 0.30% | -0.16% | 0.15% | 0.44% | 0.38% | -0.36% | -20 bps | |
| Return on Equity | 3.66% | 3.35% | 3.44% | -1.94% | 1.73% | 4.64% | 4.13% | -3.89% | -195 bps | |
| Net Interest Margin | 3.96% | 3.99% | 4.05% | 4.11% | 4.27% | 4.58% | 4.47% | 4.51% | +40 bps | |
| Efficiency Ratio | 89.80% | 90.60% | 90.02% | 92.12% | 90.85% | 86.70% | 88.58% | 104.33% | +1,221 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.19% | 5.22% | 2.81% | 7.23% | 4.68% | -2.61% | -0.44% | -5.56% | -1,279 bps | |
| Loan Growth (YoY) | -7.33% | -8.33% | -9.43% | -5.68% | -1.64% | 7.38% | 14.95% | 9.02% | +1,471 bps | |
| Share Growth (YoY) | -0.35% | 5.70% | 2.85% | 7.75% | 4.58% | -3.41% | -0.74% | -6.19% | -1,393 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.29% | 2.47% | 0.80% | 0.18% | 0.13% | 0.47% | 1.33% | 1.45% | +127 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 | 0.30% | 0.44% | 0.58% | 0.26% | 0.28% | 0.33% | 0.35% | 0.27% | +2 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.83% | 8.76% | 8.85% | 8.38% | 8.65% | 9.42% | 9.27% | 9.22% | +83 bps | |
| Net Worth / Assets | 8.83% | 8.76% | 8.85% | 8.38% | 8.65% | 9.42% | 9.27% | 9.22% | +83 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 52.27% | 50.11% | 47.74% | 47.00% | 49.16% | 55.71% | 55.29% | 54.62% | +762 bps | |
| Liquid Assets / Assets | 43.24% | 45.57% | 47.92% | 48.78% | 0.00% | 0.00% | 0.00% | 0.00% | -4,878 bps | |