San Diego, CA · Charter 68341
Q1 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 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.63% | 0.66% | 0.67% | 0.56% | 0.53% | 0.57% | 0.52% | 0.54% | -2 bps | |
| Return on Equity | 5.92% | 6.01% | 5.99% | 5.20% | 4.84% | 5.04% | 4.90% | 5.14% | -6 bps | |
| Net Interest Margin | 2.80% | 2.85% | 2.81% | 2.98% | 3.00% | 3.13% | 2.94% | 3.05% | +7 bps | |
| Efficiency Ratio | 74.39% | 72.59% | 73.00% | 71.29% | 71.82% | 70.60% | 70.69% | 68.07% | -322 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.98% | 3.48% | 4.67% | 2.57% | 1.48% | 1.16% | 7.31% | 8.04% | +547 bps | |
| Loan Growth (YoY) | 12.47% | 8.10% | 11.77% | 12.30% | 10.86% | 9.44% | 4.40% | 1.19% | -1,111 bps | |
| Share Growth (YoY) | 8.28% | 1.01% | 2.88% | 1.60% | -0.18% | 2.07% | 3.80% | 3.59% | +199 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.26% | 0.56% | 0.48% | 0.61% | 0.50% | 0.96% | 0.95% | 1.16% | +55 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 | 0.29% | 0.30% | 0.26% | 0.33% | 0.36% | 0.42% | 0.41% | 0.53% | +20 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.66% | 11.04% | 11.12% | 10.71% | 10.90% | 11.31% | 10.69% | 10.41% | -29 bps | |
| Net Worth / Assets | 10.66% | 11.04% | 11.12% | 10.71% | 10.90% | 11.31% | 10.69% | 10.41% | -29 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.76% | 83.36% | 86.48% | 83.79% | 86.37% | 89.38% | 86.98% | 81.86% | -194 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |