Redding, CA · Charter 64372
Q2 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2007, the quarter ended June 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.
Redding, CA · Charter 64372
Q2 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 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.01% | -0.02% | -0.21% | 0.11% | 0.22% | 0.20% | 1.22% | 0.66% | +55 bps | |
| Return on Equity | 0.02% | -0.06% | -0.47% | 0.25% | 0.44% | 0.35% | 2.17% | 1.16% | +91 bps | |
| Net Interest Margin | 4.42% | 4.37% | 4.66% | 4.83% | 5.48% | 5.90% | 4.73% | 4.64% | -19 bps | |
| Efficiency Ratio | 99.77% | 99.75% | 104.44% | 97.74% | 97.77% | 98.10% | 116.15% | 115.78% | +1,803 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.54% | 4.41% | -1.27% | -3.82% | -17.20% | -25.01% | -21.62% | -21.25% | -1,743 bps | |
| Loan Growth (YoY) | -20.38% | -27.58% | -17.39% | -16.36% | -27.12% | -28.12% | -29.53% | -34.56% | -1,819 bps | |
| Share Growth (YoY) | 5.83% | 7.83% | -2.04% | -6.76% | -29.87% | -42.98% | -39.24% | -38.91% | -3,216 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 2.01% | 0.56% | 0.55% | 6.84% | 9.67% | 2.80% | 1.90% | +135 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 | 2.08% | 2.19% | 2.30% | 2.46% | 2.95% | 3.05% | 2.80% | 2.71% | +25 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 42.03% | 41.46% | 43.76% | 44.44% | 50.89% | 55.48% | 56.41% | 56.90% | +1,245 bps | |
| Net Worth / Assets | 42.03% | 41.46% | 43.76% | 44.44% | 50.89% | 55.48% | 56.41% | 56.90% | +1,245 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 83.60% | 80.16% | 84.27% | 80.53% | 86.89% | 101.04% | 97.73% | 86.27% | +574 bps | |
| Liquid Assets / Assets | 51.34% | 53.17% | 52.85% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |