Bakersfield, CA · Charter 61911
Q4 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2009, the quarter ended December 31, 2009, 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.
Bakersfield, CA · Charter 61911
Q4 2009
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 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.37% | 0.32% | -1.29% | -0.89% | -12.10% | -9.79% | -8.26% | -5.53% | -464 bps | |
| Return on Equity | 4.14% | 3.60% | -17.23% | -11.70% | -311% | -342% | -363% | -179.67% | -16,798 bps | |
| Net Interest Margin | 3.89% | 3.85% | 3.75% | 3.83% | 3.34% | 4.02% | 4.56% | 4.74% | +91 bps | |
| Efficiency Ratio | 92.50% | 89.56% | 91.04% | 91.83% | 127.97% | 109.65% | 82.37% | 78.81% | -1,303 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.11% | 11.94% | 11.60% | 11.57% | 19.23% | 2.01% | -11.36% | -12.23% | -2,379 bps | |
| Loan Growth (YoY) | 6.46% | 7.89% | 7.61% | 11.09% | 2.52% | -2.14% | -8.32% | -12.98% | -2,407 bps | |
| Share Growth (YoY) | 8.77% | 12.00% | 12.90% | 13.38% | 25.77% | 8.80% | -6.96% | -7.65% | -2,102 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.02% | 2.07% | 2.36% | 3.07% | 1.23% | 1.15% | 3.49% | 1.47% | -160 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% | 0.36% | 1.44% | 1.16% | 2.89% | 4.57% | 5.83% | 4.98% | +382 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.96% | 9.00% | 7.48% | 7.61% | 3.89% | 2.86% | 2.28% | 3.08% | -453 bps | |
| Net Worth / Assets | 8.96% | 9.00% | 7.48% | 7.61% | 3.89% | 2.86% | 2.28% | 3.08% | -453 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.43% | 81.85% | 78.04% | 77.79% | 66.38% | 73.62% | 76.90% | 73.30% | -450 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |