Oakland, CA · Charter 68464
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 | -3.39% | -4.34% | -1.70% | -0.71% | -2.46% | -1.69% | -8.94% | -4.75% | -405 bps | |
| Return on Equity | -46.09% | -74.89% | -30.02% | -11.38% | -46.12% | -28.93% | -236% | -130.35% | -11,897 bps | |
| Net Interest Margin | 4.12% | 4.02% | 4.14% | 4.03% | 4.35% | 4.42% | 4.54% | 4.38% | +34 bps | |
| Efficiency Ratio | 120.08% | 116.55% | 81.02% | 89.97% | 96.50% | 97.14% | 95.74% | 119.14% | +2,917 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -14.59% | -14.25% | -19.64% | -20.14% | -21.07% | -23.01% | -21.47% | -15.59% | +454 bps | |
| Loan Growth (YoY) | -20.39% | -21.47% | -18.82% | -19.43% | -18.48% | -15.66% | -14.81% | -13.89% | +554 bps | |
| Share Growth (YoY) | -13.36% | -10.93% | -17.07% | -18.73% | -19.27% | -23.09% | -19.95% | -13.25% | +548 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.75% | 6.17% | 9.81% | 6.77% | 8.01% | 9.54% | 11.55% | 13.61% | +684 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 | 1.79% | 3.24% | 4.20% | 4.11% | 4.61% | 4.46% | 6.36% | 6.74% | +263 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.35% | 5.80% | 5.68% | 6.20% | 5.32% | 5.84% | 3.80% | 3.65% | -256 bps | |
| Net Worth / Assets | 7.35% | 5.80% | 5.68% | 6.20% | 5.32% | 5.84% | 3.80% | 3.65% | -256 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 83.30% | 78.62% | 80.45% | 80.29% | 84.12% | 86.22% | 85.62% | 79.69% | -60 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |