Riverside, CA · Charter 68521
Q2 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2009, the quarter ended June 30, 2009, 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.
Riverside, CA · Charter 68521
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 | -0.62% | -0.65% | -1.50% | -1.33% | -1.94% | -2.47% | -7.96% | -3.54% | -221 bps | |
| Return on Equity | -6.57% | -7.25% | -17.19% | -16.69% | -26.08% | -37.58% | -164.49% | -66.81% | -5,011 bps | |
| Net Interest Margin | 3.42% | 3.35% | 3.80% | 3.77% | 3.92% | 3.99% | 3.95% | 4.12% | +35 bps | |
| Efficiency Ratio | 111.16% | 108.32% | 95.24% | 91.41% | 90.75% | 90.84% | 382% | 135.94% | +4,453 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.36% | 2.80% | -1.25% | 3.73% | 4.69% | -1.25% | -3.14% | -11.20% | -1,492 bps | |
| Loan Growth (YoY) | 17.06% | 23.18% | 20.63% | 12.14% | 6.52% | -1.20% | -5.58% | -8.55% | -2,069 bps | |
| Share Growth (YoY) | -1.73% | -1.71% | -1.20% | 4.92% | 7.72% | 2.83% | -0.05% | -8.91% | -1,383 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.23% | 0.56% | 0.53% | 1.54% | 1.67% | 1.86% | 0.81% | 0.68% | -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 | 0.18% | 0.32% | 0.60% | 0.94% | 1.59% | 2.27% | 2.48% | 2.60% | +165 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.51% | 8.93% | 8.73% | 7.97% | 7.43% | 6.57% | 4.84% | 5.30% | -267 bps | |
| Net Worth / Assets | 9.51% | 8.93% | 8.73% | 7.97% | 7.43% | 6.57% | 4.84% | 5.30% | -267 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.38% | 83.87% | 82.90% | 77.26% | 79.48% | 80.59% | 78.31% | 77.56% | +30 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |