Fresno, CA · Charter 63489
Q1 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2006, the quarter ended March 31, 2006, 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.
Fresno, CA · Charter 63489
Q1 2006
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 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.62% | -0.40% | -0.08% | 0.39% | 0.29% | 0.21% | 0.23% | -0.18% | -56 bps | |
| Return on Equity | -4.73% | -2.91% | -0.57% | 2.61% | 1.89% | 1.35% | 1.44% | -1.13% | -374 bps | |
| Net Interest Margin | 3.30% | 3.73% | 3.94% | 4.39% | 4.42% | 4.32% | 4.14% | 3.88% | -51 bps | |
| Efficiency Ratio | 101.06% | 91.29% | 88.87% | 88.20% | 85.58% | 87.52% | 87.66% | 87.20% | -101 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.76% | -7.90% | -8.13% | -11.14% | -13.85% | -11.42% | -8.51% | -3.36% | +778 bps | |
| Loan Growth (YoY) | -1.15% | 7.41% | 9.05% | 1.00% | -2.06% | -3.76% | -5.56% | -7.18% | -818 bps | |
| Share Growth (YoY) | -3.56% | -8.41% | -9.24% | -13.16% | -16.38% | -13.62% | -10.24% | -3.96% | +920 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.15% | 1.40% | 1.55% | 1.14% | 1.07% | 0.88% | 2.19% | 1.51% | +37 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 | 1.29% | 1.25% | 1.29% | 1.14% | 1.11% | 1.11% | 1.13% | 0.96% | -18 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.04% | 13.62% | 14.33% | 14.90% | 15.41% | 15.78% | 15.80% | 15.60% | +70 bps | |
| Net Worth / Assets | 13.04% | 13.62% | 14.33% | 14.90% | 15.41% | 15.78% | 15.80% | 15.60% | +70 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 60.80% | 64.26% | 68.13% | 68.75% | 71.21% | 71.60% | 71.67% | 66.45% | -231 bps | |
| Liquid Assets / Assets | 42.14% | 20.90% | 11.00% | 9.58% | 34.53% | 7.57% | 6.83% | 10.99% | +141 bps | |