Alameda, CA · Charter 60831
Q3 2013
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 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.54% | -0.65% | -0.82% | -0.81% | -0.61% | -0.67% | -1.05% | -8.57% | -777 bps | |
| Return on Equity | -8.14% | -10.26% | -13.15% | -12.85% | -9.44% | -10.80% | -17.23% | -1577% | -156,383 bps | |
| Net Interest Margin | 3.18% | 2.73% | 2.71% | 2.68% | 2.78% | 2.23% | 2.25% | 2.29% | -39 bps | |
| Efficiency Ratio | 115.91% | 110.53% | 113.39% | 116.71% | 113.76% | 126.23% | 132.00% | 318% | +20,124 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.13% | 2.39% | -0.78% | -2.62% | -5.99% | -7.11% | -7.58% | -9.89% | -727 bps | |
| Loan Growth (YoY) | -15.41% | -11.75% | -13.01% | -13.73% | -15.58% | -15.73% | -16.51% | -21.01% | -728 bps | |
| Share Growth (YoY) | -0.38% | 2.84% | -1.40% | -2.49% | -5.84% | -7.24% | -7.82% | -4.89% | -240 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.71% | 2.46% | 2.74% | 2.84% | 1.50% | 2.53% | 1.61% | 0.24% | -260 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 | 0.80% | 0.85% | 1.15% | 0.89% | 0.76% | 0.60% | 0.59% | 0.49% | -40 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.63% | 6.33% | 6.27% | 6.27% | 6.44% | 6.22% | 6.08% | 0.54% | -573 bps | |
| Net Worth / Assets | 6.63% | 6.33% | 6.27% | 6.27% | 6.44% | 6.22% | 6.08% | 0.54% | -573 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 37.47% | 34.72% | 34.09% | 33.70% | 33.60% | 31.54% | 30.88% | 27.99% | -571 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |