Vallejo, CA · Charter 68427
Q3 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2010, the quarter ended September 30, 2010, 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.
Vallejo, CA · Charter 68427
Q3 2010
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 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.21% | -0.86% | -5.49% | -2.94% | -3.13% | -2.78% | -3.25% | -4.59% | -166 bps | |
| Return on Equity | 1.95% | -8.84% | -86.21% | -47.15% | -56.33% | -54.05% | -54.96% | -120.67% | -7,352 bps | |
| Net Interest Margin | 3.76% | 3.80% | 2.97% | 2.92% | 3.03% | 3.05% | 3.84% | 4.06% | +114 bps | |
| Efficiency Ratio | 83.70% | 92.34% | 188.24% | 75.81% | 77.87% | 76.41% | 62.02% | 69.25% | -656 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.07% | 27.20% | 52.86% | 56.41% | 50.81% | 22.30% | -25.33% | -31.11% | -8,753 bps | |
| Loan Growth (YoY) | -5.82% | 20.09% | 22.65% | 20.47% | 14.22% | -11.36% | -14.35% | -19.98% | -4,045 bps | |
| Share Growth (YoY) | -2.16% | 27.11% | 24.39% | 27.70% | 27.59% | 1.34% | -3.35% | -9.32% | -3,702 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.83% | 1.52% | 3.32% | 5.28% | 5.01% | 4.74% | 6.71% | 6.59% | +131 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 | 0.55% | 0.99% | 1.19% | 2.60% | 3.48% | 4.06% | 5.13% | 8.01% | +541 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.53% | 9.68% | 6.37% | 6.23% | 5.55% | 5.14% | 5.92% | 3.81% | -242 bps | |
| Net Worth / Assets | 10.53% | 9.68% | 6.37% | 6.23% | 5.55% | 5.14% | 5.92% | 3.81% | -242 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 96.09% | 94.57% | 91.42% | 87.86% | 86.02% | 82.72% | 81.01% | 77.53% | -1,032 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |