Castro Valley, CA · Charter 65026
Q1 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 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.83% | -1.11% | -1.94% | -6.06% | -3.45% | -5.03% | -3.16% | -3.40% | +266 bps | |
| Return on Equity | 8.17% | -10.39% | -19.83% | -79.21% | -42.91% | -84.17% | -53.47% | -66.43% | +1,278 bps | |
| Net Interest Margin | 3.93% | 4.31% | 4.46% | 4.31% | 4.29% | 4.22% | 4.28% | 4.16% | -15 bps | |
| Efficiency Ratio | 80.61% | 84.00% | 89.11% | 85.44% | 87.98% | 111.66% | 93.28% | 128.46% | +4,303 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.30% | -9.99% | -10.01% | -7.47% | -15.57% | -4.73% | -3.48% | -8.93% | -146 bps | |
| Loan Growth (YoY) | -12.56% | -6.99% | -8.48% | -9.28% | -6.81% | -11.55% | -11.84% | -9.99% | -71 bps | |
| Share Growth (YoY) | 1.29% | -9.86% | -9.58% | -4.53% | -13.93% | 0.30% | 1.71% | -6.43% | -190 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.41% | 4.58% | 2.13% | 2.27% | 3.19% | 7.23% | 3.25% | 2.39% | +12 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 | 0.26% | 1.70% | 0.44% | 1.91% | 2.19% | 5.08% | 2.73% | 2.00% | +10 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.20% | 10.66% | 9.79% | 7.65% | 8.03% | 5.98% | 5.90% | 5.12% | -253 bps | |
| Net Worth / Assets | 10.20% | 10.66% | 9.79% | 7.65% | 8.03% | 5.98% | 5.90% | 5.12% | -253 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 58.21% | 67.58% | 65.95% | 62.08% | 63.03% | 59.60% | 57.16% | 59.72% | -236 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |