Antioch, CA · Charter 24013
Q1 2010
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 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.03% | -1.35% | -1.45% | -3.51% | -1.33% | -2.37% | -1.77% | -0.97% | +254 bps | |
| Return on Equity | -0.39% | -16.45% | -19.05% | -55.61% | -20.75% | -42.10% | -30.66% | -17.93% | +3,768 bps | |
| Net Interest Margin | 3.21% | 3.32% | 3.25% | 2.89% | 3.07% | 3.29% | 3.41% | 3.33% | +44 bps | |
| Efficiency Ratio | 87.24% | 85.73% | 84.81% | 91.26% | 80.92% | 98.53% | 74.86% | 83.90% | -736 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.53% | 1.06% | 5.14% | 7.92% | 5.65% | 4.80% | 0.79% | -2.80% | -1,072 bps | |
| Loan Growth (YoY) | -5.63% | -6.76% | -8.21% | -8.02% | -11.29% | -12.19% | -13.04% | -17.54% | -952 bps | |
| Share Growth (YoY) | 2.06% | 2.72% | 7.53% | 11.37% | 8.36% | 7.71% | 2.83% | -1.86% | -1,322 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.19% | 1.63% | 5.56% | 4.95% | 4.83% | 1.15% | 1.54% | 2.04% | -291 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 | 1.06% | 1.53% | 2.43% | 2.66% | 2.73% | 3.31% | 3.59% | 4.37% | +171 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.89% | 8.22% | 7.61% | 6.31% | 6.41% | 5.63% | 5.78% | 5.41% | -89 bps | |
| Net Worth / Assets | 8.89% | 8.22% | 7.61% | 6.31% | 6.41% | 5.63% | 5.78% | 5.41% | -89 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 68.54% | 66.67% | 63.93% | 58.92% | 56.11% | 54.35% | 54.07% | 49.51% | -941 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |