San Diego, CA · Charter 63660
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.
San Diego, CA · Charter 63660
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 | -1.33% | -1.20% | -2.55% | -2.66% | -2.63% | 0.76% | 1.08% | 0.80% | +347 bps | |
| Return on Equity | -16.78% | -15.14% | -34.77% | -40.34% | -41.86% | 11.71% | 15.94% | 10.45% | +5,079 bps | |
| Net Interest Margin | 4.40% | 4.15% | 4.25% | 4.19% | 4.13% | 3.67% | 3.68% | 4.14% | -5 bps | |
| Efficiency Ratio | 77.98% | 86.84% | 87.90% | 90.40% | 82.81% | 98.10% | 95.73% | 93.34% | +294 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.95% | -14.02% | -16.22% | -12.00% | -11.29% | -8.09% | -2.64% | -14.67% | -266 bps | |
| Loan Growth (YoY) | -12.47% | -10.37% | -9.29% | -6.20% | -2.46% | -4.92% | -2.96% | -15.59% | -939 bps | |
| Share Growth (YoY) | -12.17% | -16.02% | -15.22% | -9.76% | -10.94% | -7.93% | -1.10% | -12.74% | -298 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.56% | 2.20% | 2.82% | 2.18% | 2.35% | 0.47% | 0.35% | 0.47% | -171 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 | 2.17% | 2.16% | 2.77% | 2.83% | 3.23% | 2.56% | 2.05% | 1.94% | -89 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.90% | 7.93% | 7.34% | 6.60% | 6.28% | 6.50% | 6.78% | 7.70% | +111 bps | |
| Net Worth / Assets | 7.90% | 7.93% | 7.34% | 6.60% | 6.28% | 6.50% | 6.78% | 7.70% | +111 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 99.14% | 107.77% | 109.75% | 110.35% | 108.57% | 111.29% | 107.69% | 106.75% | -360 bps | |
| Liquid Assets / Assets | 9.38% | 3.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |