San Rafael, CA · Charter 64659
Q1 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2005, the quarter ended March 31, 2005, 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.
San Rafael, CA · Charter 64659
Q1 2005
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 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.14% | -0.18% | -0.22% | -0.66% | -0.81% | -1.27% | -1.73% | -16.98% | -1,632 bps | |
| Return on Equity | -0.93% | -1.29% | -1.54% | -4.90% | -6.00% | -9.43% | -13.16% | -175.45% | -17,054 bps | |
| Net Interest Margin | 3.52% | 3.35% | 3.32% | 3.09% | 3.17% | 3.07% | 3.09% | 2.98% | -11 bps | |
| Efficiency Ratio | 100.60% | 102.37% | 103.26% | 112.53% | 107.91% | 116.25% | 124.59% | 497% | +38,463 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.22% | 4.94% | 8.23% | 5.39% | 3.38% | -1.87% | -4.73% | -12.86% | -1,825 bps | |
| Loan Growth (YoY) | -7.27% | -8.91% | -10.54% | -8.28% | -10.86% | -15.85% | -21.48% | -29.43% | -2,115 bps | |
| Share Growth (YoY) | 8.72% | 6.06% | 10.20% | 6.82% | 4.73% | -0.98% | -3.62% | -8.87% | -1,569 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.57% | 6.75% | 6.49% | 8.70% | 5.20% | 5.90% | 6.00% | 1.75% | -695 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 | 0.75% | 0.82% | 0.59% | 0.83% | 0.84% | 0.38% | 1.59% | 0.00% | -83 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.63% | 14.24% | 14.18% | 13.56% | 13.54% | 13.49% | 13.16% | 9.68% | -388 bps | |
| Net Worth / Assets | 14.63% | 14.24% | 14.18% | 13.56% | 13.54% | 13.49% | 13.16% | 9.68% | -388 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 47.54% | 44.83% | 44.39% | 39.91% | 40.46% | 38.10% | 36.17% | 30.90% | -900 bps | |
| Liquid Assets / Assets | 57.82% | 60.05% | 35.56% | 43.42% | 63.40% | 40.00% | 48.55% | 50.36% | +694 bps | |