Sacramento, CA · Charter 95088
Q2 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2011, the quarter ended June 30, 2011, 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 95088
Q2 2011
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 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.60% | -7.19% | -6.14% | -4.34% | 2.14% | -0.60% | -2.13% | -4.70% | -36 bps | |
| Return on Equity | -7.10% | -130.96% | -122.56% | -77.58% | 35.60% | -11.10% | -48.40% | -168.24% | -9,066 bps | |
| Net Interest Margin | 5.01% | 5.20% | 5.46% | 5.56% | 5.06% | 5.08% | 4.93% | 4.94% | -62 bps | |
| Efficiency Ratio | 70.70% | 89.73% | 81.49% | 80.10% | 74.01% | 79.47% | 135.59% | 141.95% | +6,186 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -18.03% | -18.98% | -22.69% | -16.11% | -11.38% | -12.18% | -10.59% | -11.43% | +468 bps | |
| Loan Growth (YoY) | -11.33% | -13.72% | -21.47% | -23.00% | -22.24% | -26.66% | -24.17% | -22.46% | +53 bps | |
| Share Growth (YoY) | -15.70% | -13.28% | -15.16% | -13.11% | -9.49% | -12.14% | -10.04% | -8.66% | +445 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 7.22% | 10.78% | 2.83% | 1.04% | 6.68% | 7.53% | 6.83% | 2.04% | +99 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 | 4.83% | 8.67% | 7.38% | 6.33% | 6.37% | 5.36% | 5.69% | 7.06% | +73 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.45% | 5.49% | 5.01% | 5.59% | 6.00% | 5.38% | 4.40% | 2.79% | -280 bps | |
| Net Worth / Assets | 8.45% | 5.49% | 5.01% | 5.59% | 6.00% | 5.38% | 4.40% | 2.79% | -280 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.28% | 79.20% | 76.03% | 74.72% | 69.83% | 66.11% | 64.09% | 63.42% | -1,129 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 98.90% | 0.00% | 0.00% | 0.00% | 0 bps | |