Moffett Field, CA · Charter 24258
Q3 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2007, the quarter ended September 30, 2007, 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.
Moffett Field, CA · Charter 24258
Q3 2007
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 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.36% | 0.24% | 0.08% | 0.01% | 0.02% | 0.64% | 0.36% | -0.52% | -53 bps | |
| Return on Equity | 3.95% | 2.60% | 0.89% | 0.07% | 0.20% | 7.87% | 4.02% | -5.79% | -586 bps | |
| Net Interest Margin | 3.44% | 3.33% | 3.32% | 3.38% | 3.08% | 3.20% | 3.36% | 3.63% | +25 bps | |
| Efficiency Ratio | 87.83% | 97.37% | 93.55% | 91.63% | 88.74% | 74.37% | 73.96% | 73.22% | -1,841 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.98% | -8.11% | 0.83% | 0.02% | 10.13% | 14.65% | 4.59% | -2.73% | -274 bps | |
| Loan Growth (YoY) | 18.71% | 16.73% | 14.59% | 11.61% | 22.48% | 17.62% | 9.94% | 0.02% | -1,159 bps | |
| Share Growth (YoY) | -2.24% | -0.99% | 3.95% | -0.33% | 0.47% | 3.71% | -0.08% | 0.49% | +83 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.36% | 0.28% | 0.12% | 0.42% | 0.17% | 0.74% | 1.59% | 2.38% | +196 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 | 0.79% | 0.73% | 0.85% | 0.92% | 0.99% | 1.05% | 1.26% | 2.09% | +117 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.08% | 9.18% | 9.15% | 9.12% | 8.26% | 8.13% | 8.90% | 9.00% | -12 bps | |
| Net Worth / Assets | 9.08% | 9.18% | 9.15% | 9.12% | 8.26% | 8.13% | 8.90% | 9.00% | -12 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 78.11% | 76.94% | 77.89% | 83.76% | 95.22% | 87.26% | 85.70% | 83.37% | -39 bps | |
| Liquid Assets / Assets | 5.51% | 6.12% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |