Castro Valley, CA · Charter 15829
Q2 2011
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 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -4.59% | -2.26% | -2.19% | -0.51% | -0.41% | -1.81% | -15.23% | -7.53% | -702 bps | |
| Return on Equity | -44.78% | -23.28% | -22.74% | -4.87% | -4.07% | -21.56% | -351% | -179.45% | -17,459 bps | |
| Net Interest Margin | 3.83% | 3.65% | 3.60% | 3.59% | 3.21% | 2.98% | 2.80% | 2.63% | -96 bps | |
| Efficiency Ratio | 121.38% | 112.47% | 122.72% | 101.00% | 97.12% | 107.11% | 134.83% | 119.80% | +1,880 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.58% | 5.84% | 6.46% | 8.59% | 7.82% | 6.12% | 4.98% | 9.31% | +72 bps | |
| Loan Growth (YoY) | -8.75% | -5.60% | -9.38% | -7.92% | -11.08% | -8.04% | -9.52% | -5.46% | +247 bps | |
| Share Growth (YoY) | 7.57% | 7.84% | 8.56% | 10.54% | 8.48% | 7.76% | 11.46% | 16.78% | +624 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.97% | 8.35% | 8.93% | 10.00% | 9.50% | 5.62% | 1.97% | 0.19% | -980 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 | 0.81% | 0.72% | 0.67% | 0.93% | 0.35% | 1.01% | 9.46% | 7.95% | +703 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.25% | 9.71% | 9.61% | 10.43% | 9.98% | 8.38% | 4.34% | 4.20% | -623 bps | |
| Net Worth / Assets | 10.25% | 9.71% | 9.61% | 10.43% | 9.98% | 8.38% | 4.34% | 4.20% | -623 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 41.52% | 39.05% | 38.00% | 37.70% | 34.03% | 33.32% | 30.84% | 30.52% | -718 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |