Bakersfield, CA · Charter 64544
Q3 2010
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 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.29% | -0.67% | -8.46% | -4.85% | -1.63% | -0.63% | -0.99% | -6.16% | -131 bps | |
| Return on Equity | -2.82% | -6.69% | -112.84% | -67.85% | -22.34% | -8.11% | -13.13% | -163.97% | -9,611 bps | |
| Net Interest Margin | 4.05% | 4.10% | 4.22% | 4.10% | 4.68% | 5.06% | 5.49% | 5.70% | +160 bps | |
| Efficiency Ratio | 102.04% | 101.93% | 1286% | 133.23% | 74.73% | 69.40% | 87.76% | 95.16% | -3,807 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.58% | 1.98% | -2.98% | 0.26% | -4.57% | -9.34% | -14.05% | -21.59% | -2,185 bps | |
| Loan Growth (YoY) | -5.89% | -6.52% | -5.27% | -5.27% | -3.78% | -9.55% | -11.05% | -19.97% | -1,470 bps | |
| Share Growth (YoY) | -0.41% | 3.19% | 0.09% | 4.05% | -1.10% | -6.58% | -13.67% | -18.25% | -2,229 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.23% | 6.40% | 4.05% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.83% | 1.00% | 0.73% | 1.32% | 1.35% | 1.42% | 1.45% | 4.60% | +329 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.28% | 10.04% | 7.50% | 7.15% | 7.28% | 7.71% | 7.54% | 3.76% | -339 bps | |
| Net Worth / Assets | 10.28% | 10.04% | 7.50% | 7.15% | 7.28% | 7.71% | 7.54% | 3.76% | -339 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 87.51% | 88.41% | 80.13% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |