Oakland, CA · Charter 65582
Q2 2012
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.19% | 0.09% | 0.23% | -1.02% | -2.68% | -2.51% | 0.22% | 0.31% | +133 bps | |
| Return on Equity | 0.96% | 0.51% | 1.30% | -5.63% | -16.23% | -15.04% | 1.31% | 1.92% | +755 bps | |
| Net Interest Margin | 4.46% | 4.18% | 4.35% | 4.34% | 4.20% | 4.28% | 4.14% | 3.94% | -40 bps | |
| Efficiency Ratio | 93.27% | 91.52% | 94.99% | 100.52% | 111.00% | 108.96% | 95.11% | 92.06% | -846 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.43% | 2.95% | 8.04% | 5.22% | 3.60% | -5.06% | -6.14% | -1.58% | -680 bps | |
| Loan Growth (YoY) | -7.94% | -10.01% | -14.71% | -15.97% | -16.79% | -13.49% | -7.03% | -9.01% | +696 bps | |
| Share Growth (YoY) | -1.87% | 5.45% | 11.84% | 8.41% | 6.46% | -3.63% | -4.61% | 0.71% | -770 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.77% | 1.46% | 2.86% | 3.01% | 1.58% | 1.82% | 1.94% | 4.65% | +164 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 | 5.37% | 2.79% | 4.02% | 4.91% | 5.61% | 6.87% | 6.80% | 6.01% | +110 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.34% | 18.41% | 17.92% | 18.10% | 16.51% | 16.70% | 16.58% | 16.30% | -181 bps | |
| Net Worth / Assets | 19.34% | 18.41% | 17.92% | 18.10% | 16.51% | 16.70% | 16.58% | 16.30% | -181 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 54.08% | 48.04% | 44.04% | 45.31% | 42.27% | 43.12% | 42.92% | 40.94% | -437 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |