Commerce, CA · Charter 16326
Q4 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 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.04% | 0.03% | 0.03% | -0.09% | 0.05% | 0.03% | 0.03% | -0.28% | -19 bps | |
| Return on Equity | 0.32% | 0.24% | 0.22% | -0.72% | 0.43% | 0.24% | 0.25% | -2.21% | -149 bps | |
| Net Interest Margin | 3.03% | 3.06% | 3.08% | 3.03% | 2.89% | 2.79% | 2.86% | 2.88% | -15 bps | |
| Efficiency Ratio | 94.86% | 96.08% | 94.57% | 96.32% | 88.71% | 89.17% | 88.85% | 92.49% | -382 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.01% | -7.67% | -9.68% | -7.00% | -6.02% | -3.08% | -2.45% | -2.71% | +428 bps | |
| Loan Growth (YoY) | 7.15% | 8.55% | 4.73% | 0.39% | -4.48% | -6.95% | -5.37% | -6.70% | -709 bps | |
| Share Growth (YoY) | -7.06% | -8.96% | -11.18% | -8.09% | -6.98% | -3.50% | -2.82% | -2.76% | +533 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.68% | 0.97% | 0.92% | 1.18% | 1.12% | 1.41% | 1.31% | 2.67% | +148 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 | 0.45% | 0.43% | 0.53% | 0.61% | 0.64% | 0.60% | 0.55% | 0.89% | +27 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.84% | 12.13% | 12.51% | 12.56% | 12.52% | 12.42% | 12.74% | 12.63% | +7 bps | |
| Net Worth / Assets | 11.84% | 12.13% | 12.51% | 12.56% | 12.52% | 12.42% | 12.74% | 12.63% | +7 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 60.99% | 63.65% | 64.14% | 64.88% | 62.63% | 61.38% | 62.45% | 62.25% | -263 bps | |
| Liquid Assets / Assets | 11.55% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |