Tracy, CA · Charter 16377
Q1 2010
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 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.16% | -0.38% | 0.21% | -6.53% | -5.72% | -1.79% | -3.42% | -20.84% | -1,431 bps | |
| Return on Equity | -2.20% | -5.18% | 2.55% | -108.05% | -101.76% | -37.51% | -68.50% | -119184% | -11,907,585 bps | |
| Net Interest Margin | 4.68% | 4.92% | 5.03% | 4.72% | 4.70% | 5.02% | 5.03% | 5.00% | +28 bps | |
| Efficiency Ratio | 85.21% | 80.73% | 69.25% | 146.16% | 96.84% | 66.71% | 82.25% | 79.66% | -6,650 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.60% | -3.70% | -3.94% | -1.95% | -6.50% | -9.40% | -8.12% | -13.07% | -1,112 bps | |
| Loan Growth (YoY) | -3.44% | -4.95% | -4.66% | -7.76% | -10.45% | -15.83% | -15.24% | -16.58% | -882 bps | |
| Share Growth (YoY) | -3.61% | -1.78% | -3.35% | -0.78% | -4.73% | -6.73% | -5.60% | -7.56% | -678 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.82% | 2.04% | 1.99% | 3.23% | 3.10% | 3.54% | 3.85% | 2.76% | -47 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 | 1.26% | 1.54% | 1.39% | 1.79% | 2.62% | 1.97% | 1.95% | 7.11% | +532 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.37% | 7.41% | 8.07% | 6.05% | 5.62% | 4.78% | 5.00% | 0.02% | -603 bps | |
| Net Worth / Assets | 7.37% | 7.41% | 8.07% | 6.05% | 5.62% | 4.78% | 5.00% | 0.02% | -603 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 91.19% | 94.24% | 92.87% | 86.47% | 85.71% | 85.04% | 83.38% | 78.03% | -844 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |