Santa Rosa, CA · Charter 60989
Q1 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2011, the quarter ended March 31, 2011, 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.
Santa Rosa, CA · Charter 60989
Q1 2011
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 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.29% | -4.46% | -2.42% | -1.66% | -1.41% | 1.15% | 0.31% | 3.73% | +539 bps | |
| Return on Equity | -18.94% | -78.45% | -43.29% | -29.01% | -24.25% | 19.46% | 5.13% | 82.71% | +11,171 bps | |
| Net Interest Margin | 4.06% | 3.84% | 3.97% | 4.22% | 4.41% | 4.36% | 4.46% | 3.80% | -42 bps | |
| Efficiency Ratio | 77.52% | 78.60% | 75.75% | 73.05% | 73.50% | 66.82% | 75.52% | 107.19% | +3,414 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.72% | -4.03% | -3.34% | -3.66% | -5.36% | -3.07% | -5.72% | -5.43% | -177 bps | |
| Loan Growth (YoY) | -4.10% | -6.36% | -10.13% | -10.87% | -11.96% | -11.42% | -16.82% | -27.78% | -1,691 bps | |
| Share Growth (YoY) | 2.14% | -1.77% | -0.74% | -1.44% | -4.25% | -3.61% | -6.13% | -4.52% | -307 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.75% | 1.52% | 2.01% | 2.32% | 2.00% | 2.11% | 2.17% | 1.35% | -97 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 | 1.99% | 2.29% | 2.39% | 2.49% | 2.63% | 2.46% | 2.39% | 4.47% | +198 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.81% | 5.68% | 5.58% | 5.74% | 5.80% | 5.93% | 6.03% | 4.51% | -123 bps | |
| Net Worth / Assets | 6.81% | 5.68% | 5.58% | 5.74% | 5.80% | 5.93% | 6.03% | 4.51% | -123 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 91.60% | 86.88% | 84.18% | 84.68% | 84.22% | 79.85% | 74.60% | 64.05% | -2,063 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |