Valencia, CA · Charter 16058
Q4 2009
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 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.19% | -0.13% | -0.06% | -0.21% | -8.78% | -4.17% | -1.87% | -2.52% | -232 bps | |
| Return on Equity | -2.17% | -1.41% | -0.62% | -2.20% | -119.61% | -58.94% | -23.01% | -34.15% | -3,195 bps | |
| Net Interest Margin | 3.12% | 3.22% | 3.35% | 3.54% | 4.00% | 3.82% | 3.89% | 3.91% | +37 bps | |
| Efficiency Ratio | 103.38% | 99.54% | 97.66% | 98.98% | 336% | 153.19% | 131.00% | 109.88% | +1,090 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.58% | -9.54% | -8.53% | -11.16% | -11.72% | -3.21% | -6.00% | -5.68% | +548 bps | |
| Loan Growth (YoY) | 0.74% | 2.88% | 10.09% | 8.66% | 4.36% | -0.08% | -7.91% | -11.35% | -2,000 bps | |
| Share Growth (YoY) | -6.19% | -11.08% | -8.31% | -13.43% | -10.98% | -0.91% | -5.40% | -2.53% | +1,090 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.88% | 1.59% | 3.15% | 2.30% | 1.37% | 1.36% | 3.01% | 5.33% | +302 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 | 0.62% | 0.74% | 0.77% | 0.45% | 0.81% | 0.83% | 0.67% | 2.03% | +158 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.56% | 8.99% | 9.09% | 9.35% | 7.34% | 7.07% | 8.11% | 7.39% | -196 bps | |
| Net Worth / Assets | 8.56% | 8.99% | 9.09% | 9.35% | 7.34% | 7.07% | 8.11% | 7.39% | -196 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 41.46% | 44.85% | 48.32% | 51.30% | 48.61% | 45.23% | 47.04% | 46.66% | -464 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |