Antioch, CA · Charter 63480
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.
Antioch, CA · Charter 63480
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 | 0.32% | 0.79% | 0.14% | 0.37% | -0.76% | 0.59% | 0.31% | -13.68% | -1,405 bps | |
| Return on Equity | 1.07% | 2.50% | 0.48% | 1.21% | -2.56% | 2.00% | 1.00% | -58.25% | -5,947 bps | |
| Net Interest Margin | 5.71% | 6.72% | 5.85% | 6.14% | 6.20% | 6.39% | 6.51% | 7.03% | +88 bps | |
| Efficiency Ratio | 91.29% | 84.32% | 95.31% | 88.76% | 89.13% | 90.74% | 91.51% | 176.08% | +8,732 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.49% | -6.98% | 0.05% | -2.99% | -1.36% | 3.39% | -3.66% | -12.98% | -999 bps | |
| Loan Growth (YoY) | -8.43% | -8.76% | 7.33% | 9.52% | 17.11% | 13.95% | -1.74% | -4.40% | -1,392 bps | |
| Share Growth (YoY) | -1.27% | -10.33% | 0.05% | -4.53% | -0.99% | 6.18% | -4.27% | -4.27% | +26 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.52% | 2.20% | 4.76% | 8.85% | 7.15% | 6.02% | 7.84% | 5.45% | -340 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 | 1.74% | 1.82% | 1.29% | 1.51% | 1.52% | 1.59% | 1.84% | 3.65% | +213 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 30.04% | 31.49% | 30.33% | 30.42% | 29.69% | 29.65% | 30.77% | 23.49% | -692 bps | |
| Net Worth / Assets | 30.04% | 31.49% | 30.33% | 30.42% | 29.69% | 29.65% | 30.77% | 23.49% | -692 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 101.03% | 109.78% | 114.44% | 114.42% | 119.50% | 117.81% | 117.47% | 114.26% | -16 bps | |
| Liquid Assets / Assets | 28.71% | 24.13% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |