Commerce, CA · Charter 64368
Q3 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2009, the quarter ended September 30, 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.
Commerce, CA · Charter 64368
Q3 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 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.95% | -0.87% | -1.05% | -1.95% | -3.13% | -8.66% | -5.95% | -6.99% | -504 bps | |
| Return on Equity | -19.65% | -9.46% | -12.16% | -24.17% | -42.15% | -165.19% | -123.62% | -219% | -19,526 bps | |
| Net Interest Margin | 8.16% | 6.77% | 6.67% | 6.94% | 7.51% | 6.68% | 6.84% | 7.21% | +26 bps | |
| Efficiency Ratio | 102.04% | 108.74% | 103.44% | 104.02% | 104.41% | 169.77% | 125.09% | 115.95% | +1,193 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -11.80% | -13.03% | -3.97% | -6.17% | -6.15% | -10.42% | -17.15% | -20.26% | -1,409 bps | |
| Loan Growth (YoY) | 8.43% | 0.65% | -0.48% | -3.83% | -7.87% | -12.77% | -20.60% | -23.54% | -1,970 bps | |
| Share Growth (YoY) | -11.31% | -12.52% | -2.92% | -4.99% | -3.55% | -6.21% | -13.85% | -16.13% | -1,114 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.39% | 1.62% | 1.90% | 2.18% | 2.80% | 4.02% | 3.24% | 2.24% | +6 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 | 1.67% | 1.44% | 1.39% | 1.57% | 2.35% | 2.65% | 3.47% | 4.16% | +259 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.91% | 9.22% | 8.64% | 8.09% | 7.43% | 5.24% | 4.81% | 3.19% | -490 bps | |
| Net Worth / Assets | 9.91% | 9.22% | 8.64% | 8.09% | 7.43% | 5.24% | 4.81% | 3.19% | -490 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.79% | 75.83% | 75.20% | 74.15% | 77.17% | 70.53% | 69.30% | 67.61% | -655 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |