Richmond, CA · Charter 14740
Q1 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2007, the quarter ended March 31, 2007, 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.
Richmond, CA · Charter 14740
Q1 2007
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 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.27% | 0.75% | 0.65% | 1.74% | 1.62% | 1.44% | 0.60% | 0.02% | -172 bps | |
| Return on Equity | 3.32% | 8.17% | 6.99% | 17.96% | 14.49% | 12.18% | 5.02% | 0.15% | -1,782 bps | |
| Net Interest Margin | 3.63% | 4.37% | 4.40% | 4.99% | 5.51% | 5.49% | 5.69% | 4.18% | -81 bps | |
| Efficiency Ratio | 83.27% | 75.78% | 78.74% | 65.38% | 70.06% | 72.75% | 87.53% | 95.18% | +2,980 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.80% | -0.58% | 0.11% | 0.74% | -18.45% | -13.92% | -17.30% | -21.98% | -2,272 bps | |
| Loan Growth (YoY) | -11.16% | -12.30% | -4.58% | -5.26% | -19.44% | -22.90% | -27.48% | -28.89% | -2,363 bps | |
| Share Growth (YoY) | 12.79% | 1.30% | -0.77% | -0.23% | -21.22% | -16.44% | -19.52% | -24.44% | -2,421 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.76% | 0.66% | 5.26% | 3.33% | 8.20% | 8.87% | 0.95% | 0.92% | -240 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 | 5.86% | 6.25% | 6.79% | 7.03% | 7.84% | 8.60% | 0.80% | 1.02% | -601 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.00% | 9.15% | 9.36% | 9.70% | 11.18% | 11.81% | 11.92% | 12.50% | +281 bps | |
| Net Worth / Assets | 8.00% | 9.15% | 9.36% | 9.70% | 11.18% | 11.81% | 11.92% | 12.50% | +281 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 41.77% | 44.71% | 42.74% | 41.33% | 42.72% | 41.25% | 38.52% | 38.90% | -243 bps | |
| Liquid Assets / Assets | 55.10% | 57.96% | 58.97% | 58.27% | 0.00% | 0.00% | 0.00% | 0.00% | -5,827 bps | |