Burlingame, CA · Charter 15167
Q3 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2010, the quarter ended September 30, 2010, 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.
Burlingame, CA · Charter 15167
Q3 2010
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 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.43% | -1.98% | -8.22% | -10.46% | -7.44% | -6.08% | -2.90% | -4.91% | +555 bps | |
| Return on Equity | -9.25% | -13.76% | -61.15% | -95.22% | -70.21% | -57.51% | -30.30% | -77.19% | +1,803 bps | |
| Net Interest Margin | 4.18% | 4.03% | 3.43% | 4.03% | 4.18% | 4.42% | 3.38% | 1.52% | -251 bps | |
| Efficiency Ratio | 117.30% | 118.98% | 162.47% | 164.54% | 152.21% | 144.61% | 179.39% | 509% | +34,431 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -11.29% | -7.75% | -4.53% | -10.15% | -7.10% | -10.64% | -8.86% | 2.25% | +1,240 bps | |
| Loan Growth (YoY) | -5.86% | -2.79% | -13.38% | -12.35% | -2.76% | -5.99% | 7.00% | 17.88% | +3,023 bps | |
| Share Growth (YoY) | -10.44% | -2.75% | -0.70% | -6.17% | -2.58% | -6.79% | -3.87% | 6.59% | +1,276 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 6.47% | 9.60% | 10.55% | 2.16% | 6.09% | 7.77% | 5.86% | 6.23% | +407 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 | 0.83% | 2.15% | 3.55% | 6.12% | 5.98% | 5.79% | 4.71% | 2.78% | -334 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.46% | 14.38% | 13.45% | 10.98% | 10.60% | 10.56% | 9.56% | 6.36% | -462 bps | |
| Net Worth / Assets | 15.46% | 14.38% | 13.45% | 10.98% | 10.60% | 10.56% | 9.56% | 6.36% | -462 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 55.90% | 58.69% | 50.49% | 52.26% | 55.79% | 59.19% | 56.20% | 57.80% | +554 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |