Fresno, CA · Charter 17419
Q1 2012
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.04% | 0.53% | -0.12% | 0.00% | -0.13% | -0.33% | -0.52% | -0.24% | -24 bps | |
| Return on Equity | 0.41% | 5.79% | -1.29% | 0.01% | -1.64% | -4.19% | -6.61% | -3.03% | -303 bps | |
| Net Interest Margin | 3.21% | 2.92% | 2.64% | 2.43% | 2.29% | 2.30% | 2.27% | 2.08% | -35 bps | |
| Efficiency Ratio | 81.02% | 81.98% | 96.30% | 99.98% | 105.57% | 114.32% | 122.83% | 111.35% | +1,137 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.82% | 11.68% | 5.66% | 13.79% | 14.90% | 8.94% | 4.96% | -2.35% | -1,615 bps | |
| Loan Growth (YoY) | 3.88% | 0.66% | -8.32% | -14.25% | -13.41% | -9.14% | -13.89% | -18.03% | -378 bps | |
| Share Growth (YoY) | 14.93% | 13.22% | 6.12% | 15.48% | 16.85% | 10.58% | 6.26% | -1.93% | -1,741 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.16% | 0.16% | 0.17% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 0.26% | 0.27% | 0.27% | 0.20% | 0.21% | 0.21% | 0.24% | 0.25% | +5 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.37% | 9.23% | 9.03% | 8.20% | 7.83% | 7.87% | 7.88% | 7.81% | -38 bps | |
| Net Worth / Assets | 9.37% | 9.23% | 9.03% | 8.20% | 7.83% | 7.87% | 7.88% | 7.81% | -38 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 63.40% | 58.62% | 54.83% | 50.53% | 46.98% | 48.17% | 44.43% | 42.24% | -830 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |