Sacramento, CA · Charter 68516
Q2 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2007, the quarter ended June 30, 2007, 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.
Sacramento, CA · Charter 68516
Q2 2007
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 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.21% | -0.73% | 1.01% | 0.66% | -0.32% | -3.55% | -4.17% | -18.21% | -1,887 bps | |
| Return on Equity | -2.50% | -8.63% | 11.63% | 7.51% | -3.90% | -68.59% | -96.17% | n/a | n/a | |
| Net Interest Margin | 5.61% | 5.77% | 5.45% | 5.56% | 4.86% | 4.83% | 4.12% | 4.55% | -100 bps | |
| Efficiency Ratio | 50.09% | 51.58% | 59.90% | 56.75% | 64.97% | 67.01% | 76.69% | 84.60% | +2,785 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.32% | -0.48% | -0.69% | -0.74% | -5.86% | -2.71% | -6.76% | -16.62% | -1,588 bps | |
| Loan Growth (YoY) | 9.35% | 0.03% | -11.43% | -19.33% | -19.85% | -20.15% | -15.90% | -7.02% | +1,231 bps | |
| Share Growth (YoY) | 10.94% | 6.37% | 5.89% | 4.35% | -0.13% | 0.66% | -2.33% | -5.82% | -1,017 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.66% | 1.82% | 2.74% | 4.45% | 3.68% | 2.95% | 3.63% | 3.59% | -86 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 | 2.78% | 2.76% | 3.14% | 3.23% | 3.08% | 6.16% | 6.71% | 15.30% | +1,208 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.58% | 8.48% | 8.70% | 8.72% | 8.30% | 5.17% | 4.33% | -3.13% | -1,185 bps | |
| Net Worth / Assets | 8.58% | 8.48% | 8.70% | 8.72% | 8.30% | 5.17% | 4.33% | -3.13% | -1,185 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 92.80% | 88.33% | 79.93% | 75.76% | 74.48% | 70.06% | 68.82% | 74.79% | -97 bps | |
| Liquid Assets / Assets | 11.95% | 10.87% | 23.13% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |