San Diego, CA · Charter 21917
Q3 2009
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 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.09% | 0.84% | 0.84% | 0.74% | 0.24% | -4.39% | -0.86% | -0.56% | -129 bps | |
| Return on Equity | -0.92% | 8.55% | 8.22% | 7.09% | 2.52% | -52.53% | -8.94% | -5.96% | -1,305 bps | |
| Net Interest Margin | 4.85% | 5.96% | 5.49% | 5.31% | 4.91% | 4.21% | 4.50% | 4.42% | -88 bps | |
| Efficiency Ratio | 101.69% | 86.04% | 85.16% | 86.41% | 95.20% | 181.95% | 74.36% | 92.36% | +595 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.95% | -5.19% | -3.83% | -6.10% | 1.78% | 4.83% | -0.98% | 4.01% | +1,012 bps | |
| Loan Growth (YoY) | 4.51% | -0.22% | -9.93% | -13.67% | -9.83% | 0.68% | 10.65% | 2.93% | +1,660 bps | |
| Share Growth (YoY) | -5.55% | -6.03% | -4.23% | -6.86% | 1.60% | 6.80% | -0.65% | 5.41% | +1,227 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.19% | 1.21% | 1.21% | 1.17% | 1.28% | 1.29% | 2.67% | 0.98% | -19 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 | 2.18% | 2.29% | 2.37% | 2.38% | 2.42% | 2.27% | 2.21% | 2.44% | +5 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.59% | 9.88% | 10.16% | 10.43% | 9.66% | 8.36% | 9.66% | 9.32% | -111 bps | |
| Net Worth / Assets | 9.59% | 9.88% | 10.16% | 10.43% | 9.66% | 8.36% | 9.66% | 9.32% | -111 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 48.80% | 47.19% | 45.90% | 46.39% | 43.31% | 44.49% | 51.12% | 45.30% | -109 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |