Bakersfield, CA · Charter 64544
Q3 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2010, the quarter ended September 30, 2010, 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.
Bakersfield, CA · Charter 64544
Q3 2010
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -4.85% | -1.63% | -0.63% | -0.99% | -6.16% | -131 bps | |
| Return on Equity | -67.85% | -22.34% | -8.11% | -13.13% | -163.97% | -9,611 bps | |
| Net Interest Margin | 4.10% | 4.68% | 5.06% | 5.49% | 5.70% | +160 bps | |
| Efficiency Ratio | 133.23% | 74.73% | 69.40% | 87.76% | 95.16% | -3,807 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.26% | -4.57% | -9.34% | -14.05% | -21.59% | -2,185 bps | |
| Loan Growth (YoY) | -5.27% | -3.78% | -9.55% | -11.05% | -19.97% | -1,470 bps | |
| Share Growth (YoY) | 4.05% | -1.10% | -6.58% | -13.67% | -18.25% | -2,229 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.25% | 3.14% | 4.14% | 2.71% | 2.90% | -136 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.32% | 1.35% | 1.42% | 1.45% | 4.60% | +329 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.15% | 7.28% | 7.71% | 7.54% | 3.76% | -339 bps | |
| Net Worth / Assets | 7.15% | 7.28% | 7.71% | 7.54% | 3.76% | -339 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 81.00% | 85.15% | 85.59% | 82.56% | 79.29% | -170 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |