Orange, CA · Charter 67551
Q3 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2008, the quarter ended September 30, 2008, 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.
Orange, CA · Charter 67551
Q3 2008
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 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.57% | -1.60% | -1.33% | -2.61% | -2.63% | -0.03% | -1.94% | -2.12% | +49 bps | |
| Return on Equity | -6.52% | -18.19% | -15.18% | -33.21% | -32.59% | -0.33% | -25.18% | -31.77% | +144 bps | |
| Net Interest Margin | 3.35% | 3.18% | 3.34% | 3.42% | 3.78% | 4.36% | 4.06% | 4.19% | +77 bps | |
| Efficiency Ratio | 108.71% | 133.56% | 128.47% | 138.23% | 127.71% | 94.00% | 135.63% | 121.47% | -1,676 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.54% | 1.10% | -7.57% | -11.49% | -22.51% | -22.61% | -18.09% | -18.82% | -733 bps | |
| Loan Growth (YoY) | 12.83% | 5.02% | 0.40% | 0.91% | -7.11% | -13.18% | -15.18% | -15.26% | -1,617 bps | |
| Share Growth (YoY) | 19.78% | 12.34% | -6.03% | -21.19% | -29.14% | -21.46% | -1.60% | -2.97% | +1,822 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.57% | 0.98% | 2.37% | 1.60% | 1.99% | 0.43% | 2.52% | 0.93% | -67 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 | 0.23% | 0.21% | 0.17% | 0.26% | 0.52% | 0.34% | 0.50% | 0.77% | +52 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.80% | 8.82% | 8.77% | 7.85% | 8.07% | 8.86% | 7.72% | 6.67% | -118 bps | |
| Net Worth / Assets | 8.80% | 8.82% | 8.77% | 7.85% | 8.07% | 8.86% | 7.72% | 6.67% | -118 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 82.84% | 89.94% | 108.32% | 112.30% | 108.60% | 99.42% | 93.37% | 98.08% | -1,422 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |