San Francisco, CA · Charter 21428
Q1 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2012, the quarter ended March 31, 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.
San Francisco, CA · Charter 21428
Q1 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 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.14% | 0.29% | 0.12% | 0.37% | 0.14% | -0.12% | -0.04% | 0.18% | -18 bps | |
| Return on Equity | -18.62% | 4.55% | 1.83% | 6.45% | 2.42% | -2.05% | -0.76% | 3.41% | -304 bps | |
| Net Interest Margin | 4.16% | 4.64% | 4.75% | 3.73% | 3.84% | 3.88% | 3.41% | 3.42% | -31 bps | |
| Efficiency Ratio | 84.19% | 73.20% | 70.25% | 77.62% | 77.54% | 80.54% | 78.15% | 81.68% | +407 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.85% | -1.68% | -1.24% | 23.14% | 7.74% | 11.16% | 31.37% | 4.32% | -1,882 bps | |
| Loan Growth (YoY) | 0.28% | 1.26% | -6.43% | -7.86% | -8.38% | -8.38% | -1.07% | -2.43% | +543 bps | |
| Share Growth (YoY) | 13.46% | -1.89% | -1.07% | 25.06% | 7.79% | 11.96% | 34.21% | 4.60% | -2,045 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.68% | 2.84% | 3.39% | 3.46% | 3.12% | 3.16% | 3.08% | 2.90% | -56 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 | 2.22% | 2.39% | 2.85% | 3.00% | 2.96% | 3.20% | 3.28% | 3.36% | +36 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.14% | 6.45% | 6.74% | 5.71% | 5.87% | 5.76% | 5.12% | 5.39% | -32 bps | |
| Net Worth / Assets | 6.14% | 6.45% | 6.74% | 5.71% | 5.87% | 5.76% | 5.12% | 5.39% | -32 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.73% | 88.67% | 86.28% | 70.03% | 72.87% | 72.56% | 63.60% | 65.32% | -471 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |