Oakland, CA · Charter 21263
Q4 2014
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.93% | -2.04% | -1.95% | -9.97% | -19.96% | 32.94% | 21.11% | 5257% | +526,690 bps | |
| Return on Equity | -11.34% | -12.02% | -11.57% | -21.37% | -32.05% | 39.10% | 21.11% | 5257% | +527,829 bps | |
| Net Interest Margin | 1.46% | 1.49% | 1.39% | 4.37% | 3.64% | 3.13% | 2.59% | 665% | +66,024 bps | |
| Efficiency Ratio | 218% | 225% | 229% | 314% | 649% | 604% | 776% | 799% | +48,505 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.42% | -9.03% | -4.40% | -68.77% | -78.55% | -78.15% | -82.05% | -99.84% | -3,107 bps | |
| Loan Growth (YoY) | -5.27% | -4.37% | -11.43% | -19.08% | -55.30% | -100.00% | -100.00% | -100.00% | -8,092 bps | |
| Share Growth (YoY) | -2.63% | -8.38% | -3.16% | -79.75% | -90.25% | -95.86% | -100.00% | -100.00% | -2,025 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.73% | 2.93% | 0.49% | 85.99% | 100.00% | n/a | n/a | n/a | n/a | |
| 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 | 29.68% | 31.90% | 36.10% | 38.05% | 66.41% | n/a | n/a | n/a | n/a | |
| Capital | ||||||||||
| Risk-Based Capital | 17.03% | 16.97% | 16.88% | 46.69% | 62.28% | 84.26% | 100.00% | 100.00% | +5,331 bps | |
| Net Worth / Assets | 17.03% | 16.97% | 16.88% | 46.69% | 62.28% | 84.26% | 100.00% | 100.00% | +5,331 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 21.15% | 20.20% | 18.22% | 83.10% | 96.96% | 0.00% | n/a | n/a | n/a | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |