San Mateo, CA · Charter 68554
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.
San Mateo, CA · Charter 68554
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 | -0.53% | -0.75% | -1.32% | -1.22% | -1.31% | -1.57% | -11.30% | -7.68% | -646 bps | |
| Return on Equity | -5.12% | -7.32% | -13.26% | -12.28% | -13.08% | -16.34% | -152.07% | -120.80% | -10,852 bps | |
| Net Interest Margin | 3.12% | 3.10% | 2.62% | 2.84% | 2.97% | 2.95% | 2.74% | 2.97% | +13 bps | |
| Efficiency Ratio | 106.29% | 108.69% | 127.05% | 119.13% | 117.31% | 121.42% | 223% | 193.80% | +7,466 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.95% | -4.90% | -4.10% | -5.02% | -8.47% | -7.85% | -6.20% | -3.56% | +146 bps | |
| Loan Growth (YoY) | -4.07% | -6.19% | -5.74% | -3.19% | -2.03% | -1.94% | -3.19% | -7.98% | -480 bps | |
| Share Growth (YoY) | -7.80% | -4.99% | -3.86% | -4.67% | -8.11% | -7.36% | -4.08% | -0.22% | +445 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.50% | 1.23% | 0.77% | 1.55% | 1.89% | 2.41% | 2.86% | 4.32% | +277 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 | 0.32% | 0.48% | 0.44% | 0.52% | 0.61% | 0.78% | 1.57% | 2.19% | +167 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.39% | 10.30% | 9.96% | 9.93% | 10.00% | 9.61% | 7.43% | 6.36% | -357 bps | |
| Net Worth / Assets | 10.39% | 10.30% | 9.96% | 9.93% | 10.00% | 9.61% | 7.43% | 6.36% | -357 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.65% | 86.39% | 84.70% | 87.45% | 91.31% | 91.44% | 85.48% | 80.65% | -680 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |