Oakland, CA · Charter 64575
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.
Oakland, CA · Charter 64575
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 | -6.00% | -6.56% | -9.97% | -4.16% | -3.82% | -4.95% | 0.09% | -1.29% | +287 bps | |
| Return on Equity | -47.75% | -60.06% | -147.93% | -55.76% | -54.43% | -90.50% | 1.65% | -27.30% | +2,846 bps | |
| Net Interest Margin | 3.64% | 3.74% | 3.29% | 3.48% | 3.60% | 3.80% | 3.94% | 4.03% | +55 bps | |
| Efficiency Ratio | 101.97% | 106.22% | 609% | 124.24% | 118.57% | 122.83% | 65.18% | 87.54% | -3,670 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.05% | -4.22% | -5.44% | -9.42% | -8.99% | -11.72% | -14.01% | -15.06% | -564 bps | |
| Loan Growth (YoY) | -2.63% | -5.06% | -8.44% | -11.94% | -11.56% | -12.79% | -14.06% | -17.20% | -527 bps | |
| Share Growth (YoY) | 0.45% | 2.35% | 2.61% | -3.37% | -5.57% | -8.75% | -13.10% | -13.16% | -979 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 6.62% | 8.20% | 6.58% | 12.49% | 9.82% | 13.90% | 12.14% | 13.73% | +124 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 | 5.52% | 7.03% | 9.21% | 9.39% | 9.65% | 10.61% | 11.00% | 9.97% | +58 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.57% | 10.92% | 6.74% | 7.46% | 7.01% | 5.47% | 5.47% | 4.73% | -273 bps | |
| Net Worth / Assets | 12.57% | 10.92% | 6.74% | 7.46% | 7.01% | 5.47% | 5.47% | 4.73% | -273 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 79.51% | 78.06% | 74.27% | 74.61% | 74.47% | 74.60% | 73.45% | 71.14% | -347 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |