Riverside, CA · Charter 68009
Q3 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2009, the quarter ended September 30, 2009, 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.
Riverside, CA · Charter 68009
Q3 2009
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 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -6.97% | -0.26% | -0.54% | -0.72% | -1.01% | -6.99% | -3.08% | -5.31% | -460 bps | |
| Return on Equity | -87.29% | -3.34% | -6.90% | -9.64% | -13.17% | -122.11% | -50.86% | -128.42% | -11,879 bps | |
| Net Interest Margin | 5.40% | 4.97% | 4.97% | 4.94% | 5.34% | 4.64% | 4.57% | 4.79% | -14 bps | |
| Efficiency Ratio | 171.84% | 104.18% | 103.24% | 102.93% | 103.58% | 222% | 144.72% | 170.43% | +6,750 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -27.64% | -24.78% | -17.45% | -7.54% | -7.96% | -6.17% | -6.52% | -13.42% | -588 bps | |
| Loan Growth (YoY) | -2.55% | 0.84% | 1.50% | -0.07% | -7.75% | -14.87% | -15.15% | -16.18% | -1,611 bps | |
| Share Growth (YoY) | -28.77% | -25.64% | -18.65% | -7.43% | -7.83% | -3.84% | -4.47% | -11.90% | -447 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.84% | 0.89% | 1.14% | 1.59% | 1.47% | 1.68% | 1.43% | 2.27% | +68 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 | 1.50% | 1.45% | 1.37% | 1.76% | 2.24% | 2.07% | 2.00% | 2.80% | +103 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.99% | 7.86% | 7.77% | 7.42% | 7.67% | 5.72% | 6.06% | 4.14% | -329 bps | |
| Net Worth / Assets | 7.99% | 7.86% | 7.77% | 7.42% | 7.67% | 5.72% | 6.06% | 4.14% | -329 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 65.34% | 65.62% | 65.94% | 62.89% | 65.40% | 58.09% | 58.57% | 59.84% | -305 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |