Oakland, CA · Charter 3203
Q3 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 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.92% | -2.97% | 7.28% | -1.36% | -1.07% | -1.08% | -1.44% | -1.45% | -9 bps | |
| Return on Equity | -15.97% | -16.50% | 37.94% | -7.41% | -5.97% | -5.74% | -7.52% | -7.89% | -49 bps | |
| Net Interest Margin | 4.68% | 4.63% | 4.26% | 4.30% | 4.28% | 4.26% | 3.80% | 3.92% | -38 bps | |
| Efficiency Ratio | 93.73% | 112.30% | 86.91% | 109.68% | 110.45% | 114.23% | 136.70% | 135.77% | +2,610 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.75% | -1.17% | -5.78% | -4.26% | -5.68% | -2.94% | -1.33% | -5.87% | -161 bps | |
| Loan Growth (YoY) | -9.54% | -23.39% | -18.63% | -11.31% | -16.65% | -17.08% | -23.18% | -28.87% | -1,756 bps | |
| Share Growth (YoY) | 1.66% | 2.18% | -3.68% | -2.92% | -5.20% | -3.72% | -0.97% | -5.73% | -282 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.62% | 0.00% | 0.00% | 0.00% | 2.16% | 0.77% | 0.19% | 1.21% | +121 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 | 5.26% | 5.34% | 5.78% | 5.58% | 5.99% | 0.89% | 0.40% | 1.84% | -374 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 18.26% | 18.01% | 19.18% | 18.30% | 17.96% | 18.88% | 19.16% | 18.35% | +5 bps | |
| Net Worth / Assets | 18.26% | 18.01% | 19.18% | 18.30% | 17.96% | 18.88% | 19.16% | 18.35% | +5 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 34.58% | 33.80% | 35.96% | 33.04% | 30.40% | 29.11% | 27.90% | 24.93% | -811 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |