San Franciso, CA · Charter 1634
Q3 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2008, the quarter ended September 30, 2008, 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.
San Franciso, CA · Charter 1634
Q3 2008
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 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.21% | 0.08% | 0.43% | 0.16% | -0.03% | -0.67% | -0.93% | -1.96% | -212 bps | |
| Return on Equity | -2.45% | 0.95% | 4.68% | 1.75% | -0.37% | -7.87% | -11.29% | -25.54% | -2,729 bps | |
| Net Interest Margin | 3.61% | 3.35% | 3.42% | 3.32% | 3.37% | 3.06% | 3.07% | 3.21% | -11 bps | |
| Efficiency Ratio | 93.17% | 98.26% | 99.66% | 100.45% | 101.43% | 105.28% | 103.05% | 99.55% | -91 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.49% | -4.61% | -4.83% | -1.19% | -2.19% | -0.12% | 1.97% | -4.26% | -306 bps | |
| Loan Growth (YoY) | -10.88% | -7.74% | -2.24% | 3.71% | 7.42% | 11.07% | 9.79% | 0.61% | -310 bps | |
| Share Growth (YoY) | -5.42% | -4.85% | -5.15% | -1.30% | -2.35% | 0.25% | 2.88% | -2.98% | -168 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.83% | 0.63% | 0.43% | 0.40% | 0.51% | 4.83% | 5.59% | 2.82% | +242 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 | 0.74% | 0.73% | 0.31% | 0.31% | 0.32% | 0.38% | 0.53% | 0.74% | +44 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.73% | 8.75% | 9.16% | 8.91% | 8.89% | 8.54% | 8.28% | 7.68% | -123 bps | |
| Net Worth / Assets | 8.73% | 8.75% | 9.16% | 8.91% | 8.89% | 8.54% | 8.28% | 7.68% | -123 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 73.72% | 72.75% | 78.29% | 80.07% | 81.10% | 80.61% | 83.55% | 83.04% | +297 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |