Santa Clarita, CA · Charter 499
Q2 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.13% | 0.15% | 0.50% | 0.31% | 0.12% | -0.74% | -0.93% | -21.17% | -2,148 bps | |
| Return on Equity | -0.68% | 0.75% | 2.30% | 1.39% | 0.52% | -3.40% | -4.34% | -164.43% | -16,582 bps | |
| Net Interest Margin | 5.78% | 6.06% | 6.28% | 6.61% | 6.58% | 6.49% | 5.59% | 2.68% | -393 bps | |
| Efficiency Ratio | 102.16% | 97.68% | 85.23% | 85.98% | 89.44% | 91.48% | 114.24% | 429% | +34,314 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.37% | -8.69% | -16.67% | -11.38% | -11.53% | -9.93% | -3.54% | -9.79% | +159 bps | |
| Loan Growth (YoY) | 22.00% | 9.75% | -4.62% | -19.31% | -15.16% | -15.39% | -14.76% | -19.10% | +21 bps | |
| Share Growth (YoY) | -7.91% | -17.69% | -20.98% | -11.88% | -11.59% | -4.49% | -3.32% | -4.75% | +713 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.51% | 1.01% | 1.86% | 0.00% | 2.52% | 2.91% | 4.38% | 3.33% | +333 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 | 0.82% | 0.59% | 0.85% | 0.33% | 0.41% | 0.73% | 0.46% | 4.19% | +386 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.70% | 20.34% | 21.73% | 22.04% | 22.64% | 21.84% | 21.43% | 12.88% | -916 bps | |
| Net Worth / Assets | 19.70% | 20.34% | 21.73% | 22.04% | 22.64% | 21.84% | 21.43% | 12.88% | -916 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 101.35% | 100.53% | 94.89% | 92.69% | 97.26% | 89.06% | 83.66% | 78.72% | -1,397 bps | |
| Liquid Assets / Assets | 15.34% | 19.12% | 10.71% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |