Redwood City, CA · Charter 9547
Q2 2014
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 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.09% | 0.12% | 0.18% | 0.00% | -0.17% | -0.43% | -0.10% | -0.93% | -93 bps | |
| Return on Equity | 0.56% | 0.76% | 1.15% | 0.02% | -1.08% | -2.89% | -0.69% | -6.49% | -651 bps | |
| Net Interest Margin | 2.74% | 2.81% | 2.40% | 2.45% | 2.45% | 2.46% | 2.44% | 2.49% | +3 bps | |
| Efficiency Ratio | 97.14% | 101.05% | 106.93% | 106.74% | 110.93% | 119.60% | 112.97% | 140.15% | +3,341 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.87% | -3.39% | -2.07% | -4.67% | -1.41% | 1.98% | 2.51% | 1.89% | +657 bps | |
| Loan Growth (YoY) | 6.52% | -8.96% | -11.36% | -3.97% | -9.84% | 6.35% | 5.16% | 1.20% | +517 bps | |
| Share Growth (YoY) | -1.00% | -4.13% | -2.53% | -5.44% | -1.62% | 2.80% | 3.42% | 3.17% | +861 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.24% | 0.07% | 0.56% | 0.23% | 0.10% | 0.06% | 0.02% | -54 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 | 0.96% | 0.84% | 0.65% | 0.63% | 0.61% | 0.50% | 0.38% | 0.38% | -25 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.20% | 15.66% | 15.40% | 15.49% | 15.35% | 14.93% | 14.53% | 14.31% | -118 bps | |
| Net Worth / Assets | 15.20% | 15.66% | 15.40% | 15.49% | 15.35% | 14.93% | 14.53% | 14.31% | -118 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 56.00% | 51.92% | 50.35% | 53.57% | 51.32% | 53.71% | 51.19% | 52.54% | -102 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |