Napa, CA · Charter 17887
Q3 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2012, the quarter ended September 30, 2012, 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.
Napa, CA · Charter 17887
Q3 2012
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 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.26% | 0.00% | 0.00% | 0.00% | -3.78% | -19.45% | -7.04% | -4.93% | -493 bps | |
| Return on Equity | 2.35% | 0.00% | 0.00% | 0.00% | -49.61% | -733% | -176.47% | -126.09% | -12,609 bps | |
| Net Interest Margin | 4.04% | 3.63% | 3.52% | 3.39% | 3.57% | 4.03% | 4.63% | 3.94% | +55 bps | |
| Efficiency Ratio | 88.89% | 96.06% | 94.35% | 94.82% | 110.33% | 562% | 309% | 250% | +15,567 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.42% | 7.00% | 17.96% | 13.85% | -1.32% | 4.18% | -4.22% | -6.82% | -2,067 bps | |
| Loan Growth (YoY) | -4.09% | -13.25% | -6.92% | -3.31% | -7.60% | -3.88% | -3.18% | -5.90% | -258 bps | |
| Share Growth (YoY) | 11.33% | 8.48% | 20.73% | 15.69% | 2.48% | 14.24% | 3.08% | 0.14% | -1,555 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.86% | 6.73% | 3.69% | 2.49% | 2.55% | 0.92% | 0.96% | 0.82% | -167 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 | 0.25% | 0.67% | 0.20% | 1.13% | 4.77% | 4.03% | 0.65% | 2.02% | +89 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.25% | 11.71% | 10.97% | 10.60% | 7.63% | 2.65% | 3.99% | 3.91% | -669 bps | |
| Net Worth / Assets | 11.25% | 11.71% | 10.97% | 10.60% | 7.63% | 2.65% | 3.99% | 3.91% | -669 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 60.82% | 58.35% | 58.04% | 55.24% | 54.83% | 49.10% | 54.52% | 51.91% | -333 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |