Orangevale, CA · Charter 68346
Q2 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 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.35% | 0.34% | -1.48% | -4.24% | -3.03% | -2.61% | -13.92% | -19.95% | -1,572 bps | |
| Return on Equity | 3.44% | 3.31% | -15.21% | -50.35% | -35.61% | -32.47% | -285% | n/a | n/a | |
| Net Interest Margin | 4.12% | 4.17% | 4.11% | 4.35% | 4.52% | 4.48% | 4.42% | 5.16% | +81 bps | |
| Efficiency Ratio | 74.82% | 74.15% | 74.52% | 73.80% | 74.33% | 74.15% | 106.80% | 100.00% | +2,621 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.21% | -1.68% | 0.76% | 0.28% | -4.54% | -2.56% | -8.56% | -13.39% | -1,367 bps | |
| Loan Growth (YoY) | 0.29% | -0.60% | -2.18% | -2.18% | -4.07% | -6.60% | -7.28% | -9.78% | -760 bps | |
| Share Growth (YoY) | -6.82% | -9.84% | -3.55% | 0.39% | 3.89% | 8.35% | 3.32% | 2.69% | +231 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.91% | 2.54% | 2.52% | 2.23% | 2.17% | 1.80% | 1.76% | 2.00% | -23 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 | 1.07% | 1.14% | 1.48% | 2.33% | 1.96% | 1.69% | 3.67% | 9.69% | +736 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.21% | 10.40% | 9.75% | 8.41% | 8.50% | 8.05% | 4.87% | -0.80% | -921 bps | |
| Net Worth / Assets | 10.21% | 10.40% | 9.75% | 8.41% | 8.50% | 8.05% | 4.87% | -0.80% | -921 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 114.56% | 116.84% | 106.22% | 108.18% | 105.78% | 100.71% | 95.33% | 95.04% | -1,314 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |