Oakland, CA · Charter 68484
Q3 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2006, the quarter ended September 30, 2006, 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.
Oakland, CA · Charter 68484
Q3 2006
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 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.62% | 0.40% | -0.65% | -0.55% | 0.03% | 0.07% | 0.51% | 0.74% | +128 bps | |
| Return on Equity | -12.43% | 3.02% | -5.10% | -4.18% | 0.21% | 0.54% | 3.69% | 4.93% | +911 bps | |
| Net Interest Margin | 4.46% | 3.97% | 3.94% | 4.02% | 4.01% | 4.27% | 4.46% | 4.72% | +70 bps | |
| Efficiency Ratio | 94.91% | 95.25% | 97.42% | 96.75% | 94.26% | 89.28% | 84.04% | 82.64% | -1,411 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.01% | -5.29% | -3.39% | -5.83% | -3.56% | -0.75% | -3.26% | -6.58% | -75 bps | |
| Loan Growth (YoY) | -24.64% | -26.53% | -28.27% | -17.54% | -8.84% | -5.75% | 14.12% | 2.30% | +1,984 bps | |
| Share Growth (YoY) | -7.22% | -4.75% | -2.31% | -4.96% | -3.96% | -0.76% | -4.38% | -8.58% | -363 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.05% | 1.05% | 1.13% | 0.51% | 1.47% | 1.08% | 0.66% | 3.36% | +285 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 | 4.10% | 4.45% | 5.26% | 4.72% | 3.56% | 3.19% | 2.64% | 2.24% | -248 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.00% | 13.11% | 12.84% | 13.04% | 13.51% | 13.16% | 13.90% | 14.98% | +194 bps | |
| Net Worth / Assets | 13.00% | 13.11% | 12.84% | 13.04% | 13.51% | 13.16% | 13.90% | 14.98% | +194 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 42.49% | 38.67% | 36.60% | 39.70% | 40.34% | 36.73% | 43.68% | 44.43% | +473 bps | |
| Liquid Assets / Assets | 40.47% | 40.37% | 48.07% | 38.65% | 39.39% | 37.00% | 0.00% | 0.00% | -3,865 bps | |