Pleasanton, CA · Charter 68512
Q2 2008
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 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.22% | -0.24% | -1.03% | -1.38% | -4.33% | -4.74% | -22.54% | -25.85% | -2,447 bps | |
| Return on Equity | -2.56% | -2.91% | -12.87% | -17.76% | -71.21% | -92.07% | n/a | n/a | n/a | |
| Net Interest Margin | 3.79% | 3.71% | 3.41% | 3.30% | 3.55% | 3.66% | 3.27% | 3.55% | +26 bps | |
| Efficiency Ratio | 100.53% | 100.75% | 107.37% | 115.63% | 116.73% | 120.69% | 120.14% | 125.38% | +975 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.87% | -1.55% | -0.70% | -2.70% | -9.83% | -16.36% | -19.29% | -25.36% | -2,266 bps | |
| Loan Growth (YoY) | 16.87% | 16.79% | 1.33% | -10.60% | -16.26% | -15.35% | -12.47% | -10.48% | +12 bps | |
| Share Growth (YoY) | -2.94% | -3.25% | 0.12% | -2.65% | -0.40% | -3.65% | -5.56% | -6.83% | -418 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.23% | 0.73% | 2.51% | 3.29% | 3.61% | 5.54% | 3.76% | 1.77% | -152 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 | 0.40% | 0.39% | 0.56% | 0.77% | 3.24% | 3.63% | 5.53% | 8.34% | +757 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.49% | 8.26% | 8.01% | 7.75% | 6.08% | 5.15% | -0.30% | -7.03% | -1,479 bps | |
| Net Worth / Assets | 8.49% | 8.26% | 8.01% | 7.75% | 6.08% | 5.15% | -0.30% | -7.03% | -1,479 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 100.40% | 102.66% | 92.04% | 87.58% | 84.42% | 90.19% | 85.30% | 84.15% | -343 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |