Vallejo, CA · Charter 15625
Q4 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2004, the quarter ended December 31, 2004, 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.
Vallejo, CA · Charter 15625
Q4 2004
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 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.80% | 0.67% | 0.45% | 0.58% | 0.84% | 0.86% | 0.64% | 0.00% | -58 bps | |
| Return on Equity | 8.86% | 7.49% | 4.85% | 5.90% | 8.72% | 8.38% | 6.07% | 0.02% | -588 bps | |
| Net Interest Margin | 3.59% | 3.48% | 3.44% | 3.75% | 3.99% | 4.20% | 4.28% | 4.20% | +45 bps | |
| Efficiency Ratio | 81.89% | 84.13% | 89.32% | 87.17% | 80.59% | 81.15% | 81.87% | 95.72% | +855 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 28.09% | 17.05% | 5.96% | 2.64% | -0.77% | -6.74% | -6.66% | -2.54% | -518 bps | |
| Loan Growth (YoY) | -7.76% | -11.13% | 36.78% | 42.20% | 67.43% | 84.70% | 20.44% | 14.73% | -2,748 bps | |
| Share Growth (YoY) | 30.19% | 17.88% | 5.95% | 2.15% | -1.57% | -8.16% | -8.15% | -3.10% | -525 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.35% | 1.21% | 0.12% | 0.63% | 0.50% | 1.10% | 0.89% | 0.09% | -54 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 | 1.30% | 1.10% | 0.77% | 0.62% | 0.51% | 0.48% | 0.50% | 0.04% | -58 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.03% | 8.98% | 9.18% | 9.82% | 9.67% | 10.27% | 10.55% | 10.08% | +26 bps | |
| Net Worth / Assets | 9.03% | 8.98% | 9.18% | 9.82% | 9.67% | 10.27% | 10.55% | 10.08% | +26 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 41.78% | 40.90% | 62.00% | 64.20% | 71.06% | 82.26% | 81.30% | 76.01% | +1,181 bps | |
| Liquid Assets / Assets | 58.28% | 59.11% | 34.32% | 37.50% | 31.22% | 18.19% | 19.71% | 25.85% | -1,165 bps | |