Chico, CA · Charter 61158
Q3 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2007, the quarter ended September 30, 2007, 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.
Chico, CA · Charter 61158
Q3 2007
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 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.47% | 0.30% | 0.39% | 0.42% | 0.35% | 0.44% | 0.52% | -10.22% | -1,064 bps | |
| Return on Equity | 5.52% | 3.36% | 4.33% | 4.46% | 3.58% | 4.60% | 5.23% | -326% | -33,028 bps | |
| Net Interest Margin | 4.93% | 4.17% | 4.49% | 4.92% | 5.06% | 4.44% | 5.74% | 6.65% | +174 bps | |
| Efficiency Ratio | 62.78% | 80.58% | 70.39% | 64.33% | 62.98% | 77.21% | 58.31% | 64.54% | +22 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.00% | -3.24% | -4.89% | -5.23% | -8.41% | -2.56% | -4.05% | -13.45% | -822 bps | |
| Loan Growth (YoY) | 9.12% | 15.15% | 11.12% | 1.88% | 0.93% | -4.83% | -6.40% | -18.86% | -2,074 bps | |
| Share Growth (YoY) | -2.93% | -4.40% | -6.26% | -6.08% | -9.80% | -2.96% | -4.30% | -6.87% | -79 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.28% | 2.64% | 3.02% | 4.06% | 6.50% | 9.07% | 8.99% | 4.38% | +32 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 | 1.95% | 1.84% | 1.95% | 1.85% | 2.45% | 2.32% | 2.05% | 0.00% | -185 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.60% | 8.90% | 9.09% | 9.33% | 9.73% | 9.50% | 9.88% | 3.14% | -619 bps | |
| Net Worth / Assets | 8.60% | 8.90% | 9.09% | 9.33% | 9.73% | 9.50% | 9.88% | 3.14% | -619 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 90.05% | 97.07% | 98.31% | 98.08% | 100.76% | 95.20% | 96.15% | 85.45% | -1,263 bps | |
| Liquid Assets / Assets | 17.39% | 11.50% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |