Commerce, CA · Charter 6140
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.
Commerce, CA · Charter 6140
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 | 0.30% | 0.30% | 0.36% | -1.86% | 0.08% | -0.22% | -0.43% | -11.12% | -926 bps | |
| Return on Equity | 4.12% | 4.17% | 4.95% | -27.47% | 1.09% | -2.97% | -6.23% | -248% | -22,017 bps | |
| Net Interest Margin | 4.00% | 3.98% | 3.94% | 4.17% | 4.27% | 4.81% | 5.10% | 2.26% | -191 bps | |
| Efficiency Ratio | 89.31% | 88.06% | 86.01% | 84.17% | 87.59% | 78.70% | 77.22% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.18% | 4.06% | 6.27% | 2.81% | 3.89% | -0.32% | -1.34% | -6.26% | -907 bps | |
| Loan Growth (YoY) | -11.39% | -7.19% | -4.97% | -3.23% | 4.68% | 3.06% | -0.91% | 7.70% | +1,093 bps | |
| Share Growth (YoY) | 2.08% | 2.95% | 7.33% | 2.71% | 3.47% | -0.19% | -3.27% | -3.52% | -623 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.68% | 1.72% | 2.04% | 2.50% | 2.63% | 5.09% | 4.45% | 3.77% | +127 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 | 0.28% | 0.29% | 0.30% | 0.33% | 0.33% | 0.73% | 1.72% | 1.71% | +138 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.23% | 7.27% | 7.31% | 6.79% | 7.21% | 7.27% | 6.98% | 4.49% | -229 bps | |
| Net Worth / Assets | 7.23% | 7.27% | 7.31% | 6.79% | 7.21% | 7.27% | 6.98% | 4.49% | -229 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 84.37% | 85.38% | 85.85% | 85.88% | 85.35% | 88.17% | 87.94% | 95.87% | +998 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 99.21% | 0.00% | 0 bps | |