Berkeley, CA · Charter 64449
Q2 2008
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 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.44% | 2.17% | 1.41% | -4.04% | -15.75% | -18.18% | -74.40% | -377% | -37,313 bps | |
| Return on Equity | 28.42% | 24.87% | 16.48% | -62.70% | n/a | n/a | n/a | n/a | n/a | |
| Net Interest Margin | 4.70% | 4.75% | 4.60% | 4.75% | 5.29% | 5.48% | 2.16% | -1.49% | -624 bps | |
| Efficiency Ratio | 46.26% | 46.57% | 50.27% | 43.90% | 53.51% | 58.62% | 127.40% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 48.40% | 35.74% | 32.35% | 16.32% | -8.22% | -22.10% | -38.46% | -77.12% | -9,344 bps | |
| Loan Growth (YoY) | 77.74% | 48.26% | 39.15% | 24.21% | 2.72% | -3.06% | -16.54% | -84.42% | -10,863 bps | |
| Share Growth (YoY) | 51.60% | 55.48% | 35.60% | 21.69% | 8.95% | -27.14% | -33.51% | -42.91% | -6,460 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.40% | 4.71% | 5.09% | 6.81% | 7.31% | 13.81% | 20.13% | 4.57% | -224 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 | 0.85% | 1.25% | 1.00% | 3.89% | 9.84% | 13.03% | 25.24% | 3.37% | -52 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.57% | 8.74% | 8.55% | 6.44% | -2.03% | -6.97% | -26.88% | -212% | -21,800 bps | |
| Net Worth / Assets | 8.57% | 8.74% | 8.55% | 6.44% | -2.03% | -6.97% | -26.88% | -212% | -21,800 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 96.59% | 89.94% | 99.08% | 101.79% | 91.07% | 119.67% | 124.36% | 27.79% | -7,401 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |