Sacramento, CA · Charter 8509
Q1 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2007, the quarter ended March 31, 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 8509
Q1 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 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.24% | 0.35% | 0.38% | -5.12% | 0.32% | 0.21% | 0.32% | 0.11% | +523 bps | |
| Return on Equity | 3.61% | 5.18% | 5.32% | -85.58% | 5.14% | 3.21% | 4.86% | 1.63% | +8,721 bps | |
| Net Interest Margin | 4.46% | 4.42% | 4.59% | 4.43% | 4.52% | 4.47% | 4.35% | 4.18% | -25 bps | |
| Efficiency Ratio | 79.85% | 78.34% | 78.00% | 90.77% | 81.19% | 81.24% | 81.74% | 90.63% | -15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.54% | -2.33% | -7.30% | -6.20% | -7.15% | -9.87% | -4.80% | -6.42% | -23 bps | |
| Loan Growth (YoY) | 0.72% | 6.42% | 3.33% | 1.98% | -0.80% | -7.06% | -3.57% | -6.57% | -855 bps | |
| Share Growth (YoY) | -2.87% | -3.14% | -12.42% | -10.56% | -12.31% | -10.77% | -5.19% | -6.84% | +372 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.00% | 2.14% | 2.26% | 1.28% | 1.69% | 1.27% | 1.54% | 1.53% | +25 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 | 1.71% | 1.64% | 1.40% | 2.08% | 2.16% | 2.24% | 1.94% | 1.87% | -21 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.71% | 6.69% | 7.14% | 5.98% | 6.29% | 6.43% | 6.56% | 6.81% | +83 bps | |
| Net Worth / Assets | 6.71% | 6.69% | 7.14% | 5.98% | 6.29% | 6.43% | 6.56% | 6.81% | +83 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.47% | 84.38% | 89.24% | 88.91% | 91.04% | 87.89% | 90.77% | 89.18% | +26 bps | |
| Liquid Assets / Assets | 5.45% | 5.42% | 4.96% | 4.32% | 0.00% | 0.00% | 0.00% | 0.00% | -432 bps | |