Manteca, CA · Charter 64376
Q1 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2013, the quarter ended March 31, 2013, 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.
Manteca, CA · Charter 64376
Q1 2013
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 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.14% | -0.33% | -1.09% | -2.61% | -3.02% | -2.90% | -4.44% | -4.48% | -188 bps | |
| Return on Equity | 0.89% | -2.11% | -7.27% | -18.35% | -22.27% | -22.53% | -39.19% | -45.12% | -2,677 bps | |
| Net Interest Margin | 6.03% | 5.85% | 5.70% | 5.06% | 4.89% | 4.95% | 5.08% | 4.73% | -32 bps | |
| Efficiency Ratio | 90.53% | 99.08% | 114.03% | 157.23% | 158.86% | 153.99% | 181.46% | 188.45% | +3,123 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.39% | -2.89% | -7.09% | -0.41% | 0.52% | -1.55% | -5.24% | -3.44% | -303 bps | |
| Loan Growth (YoY) | -4.02% | -7.91% | -13.57% | -9.23% | -9.50% | -9.19% | -5.69% | -11.56% | -232 bps | |
| Share Growth (YoY) | 2.13% | 0.10% | -5.37% | 1.76% | 4.02% | 1.36% | -1.84% | 0.45% | -131 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.78% | 1.06% | 1.74% | 8.17% | 8.33% | 2.58% | 8.01% | 12.04% | +387 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 | 2.39% | 2.59% | 2.42% | 2.32% | 2.44% | 1.81% | 1.77% | 2.06% | -26 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.13% | 15.76% | 14.94% | 14.21% | 13.56% | 12.88% | 11.33% | 9.94% | -427 bps | |
| Net Worth / Assets | 16.13% | 15.76% | 14.94% | 14.21% | 13.56% | 12.88% | 11.33% | 9.94% | -427 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 99.05% | 89.69% | 86.99% | 83.61% | 86.18% | 80.36% | 83.58% | 73.62% | -999 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |