Pleasanton, CA · Charter 68509
Q3 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.21% | 0.19% | -0.13% | -0.02% | -0.38% | -0.40% | 0.79% | 0.56% | +58 bps | |
| Return on Equity | 1.60% | 1.60% | -1.09% | -0.17% | -3.30% | -5.88% | 8.92% | 6.52% | +669 bps | |
| Net Interest Margin | 3.84% | 3.28% | 3.25% | 3.39% | 3.51% | 2.31% | 2.87% | 2.82% | -57 bps | |
| Efficiency Ratio | 88.65% | 88.48% | 88.54% | 86.11% | 84.95% | 81.75% | 60.29% | 65.39% | -2,073 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.03% | 3.57% | 7.88% | 8.72% | 9.02% | 50.47% | 18.98% | 23.40% | +1,468 bps | |
| Loan Growth (YoY) | 7.17% | 2.50% | -1.17% | -3.55% | -6.70% | -8.03% | -12.04% | -8.96% | -542 bps | |
| Share Growth (YoY) | -1.28% | 3.93% | 9.13% | 10.03% | 11.00% | 60.10% | 23.19% | 27.24% | +1,721 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.30% | 0.70% | 0.40% | 0.46% | 0.65% | 0.62% | 0.77% | 1.15% | +69 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 | 0.37% | 0.36% | 0.40% | 0.35% | 0.90% | 1.07% | 1.15% | 1.15% | +80 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.20% | 12.05% | 11.73% | 11.79% | 11.63% | 6.71% | 8.86% | 8.64% | -315 bps | |
| Net Worth / Assets | 13.20% | 12.05% | 11.73% | 11.79% | 11.63% | 6.71% | 8.86% | 8.64% | -315 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 105.42% | 92.59% | 88.36% | 89.84% | 88.61% | 53.18% | 63.09% | 64.28% | -2,556 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |