Santa Fe Spring, CA · Charter 60999
Q1 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2010, the quarter ended March 31, 2010, 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 Fe Spring, CA · Charter 60999
Q1 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 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.06% | 1.00% | 0.94% | -2.16% | 0.36% | 0.43% | -0.48% | 0.56% | +271 bps | |
| Return on Equity | 4.57% | 4.20% | 4.02% | -9.55% | 1.67% | 1.95% | -2.17% | 2.62% | +1,218 bps | |
| Net Interest Margin | 2.80% | 2.73% | 2.64% | 2.46% | 2.36% | 2.34% | 2.35% | 2.42% | -5 bps | |
| Efficiency Ratio | 59.66% | 60.84% | 61.32% | 67.45% | 45.51% | 49.80% | 77.28% | 62.40% | -505 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.72% | 0.15% | 4.78% | 5.73% | 4.33% | 5.07% | 3.66% | 7.38% | +165 bps | |
| Loan Growth (YoY) | -6.10% | -6.01% | -7.19% | -8.91% | -8.72% | -4.03% | -5.94% | -7.45% | +146 bps | |
| Share Growth (YoY) | -4.18% | -1.86% | 4.48% | 7.33% | 6.22% | 7.58% | 5.87% | 9.71% | +239 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.76% | 3.45% | 5.63% | 3.63% | 4.18% | 3.31% | 2.57% | 2.14% | -149 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 | 0.58% | 0.48% | 0.53% | 0.67% | 0.76% | 0.94% | 0.46% | 0.54% | -13 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 23.16% | 23.71% | 23.43% | 22.57% | 21.82% | 22.13% | 22.13% | 21.20% | -137 bps | |
| Net Worth / Assets | 23.16% | 23.71% | 23.43% | 22.57% | 21.82% | 22.13% | 22.13% | 21.20% | -137 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 39.42% | 39.83% | 38.36% | 36.54% | 33.87% | 35.53% | 34.08% | 30.83% | -572 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |