Fresno, CA · Charter 63819
Q3 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2012, the quarter ended September 30, 2012, 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 63819
Q3 2012
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 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.26% | 0.93% | -0.48% | -0.52% | -0.32% | -0.96% | -0.40% | -0.28% | +24 bps | |
| Return on Equity | -4.04% | 13.58% | -7.46% | -8.54% | -4.99% | -15.96% | -6.64% | -4.48% | +406 bps | |
| Net Interest Margin | 4.16% | 3.49% | 3.33% | 3.24% | 3.31% | 2.84% | 2.81% | 2.81% | -43 bps | |
| Efficiency Ratio | 72.46% | 84.02% | 87.07% | 94.48% | 91.46% | 86.35% | 85.74% | 89.67% | -481 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -11.42% | -10.57% | -6.40% | -2.37% | -2.87% | 0.18% | 0.13% | -4.20% | -183 bps | |
| Loan Growth (YoY) | -18.60% | -27.01% | -28.09% | -28.78% | -25.26% | -20.84% | -21.12% | -21.50% | +727 bps | |
| Share Growth (YoY) | -11.63% | -11.05% | -6.58% | -2.86% | -2.65% | 0.88% | 0.34% | -4.34% | -148 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.14% | 3.02% | 1.90% | 2.85% | 3.89% | 3.14% | 1.55% | 1.43% | -142 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 | 3.75% | 3.49% | 4.42% | 4.60% | 4.69% | 4.81% | 5.02% | 5.41% | +81 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.45% | 6.81% | 6.37% | 6.10% | 6.39% | 6.02% | 6.08% | 6.24% | +14 bps | |
| Net Worth / Assets | 6.45% | 6.81% | 6.37% | 6.10% | 6.39% | 6.02% | 6.08% | 6.24% | +14 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 64.70% | 57.78% | 54.74% | 50.89% | 49.67% | 45.34% | 43.04% | 41.76% | -913 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |