Victorville, CA · Charter 9558
Q3 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2009, the quarter ended September 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.
Victorville, CA · Charter 9558
Q3 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 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.43% | -1.19% | -2.61% | -2.95% | -4.31% | -18.88% | -10.70% | -8.49% | -554 bps | |
| Return on Equity | 4.88% | -14.33% | -34.55% | -40.72% | -73.26% | -1427% | -1127% | n/a | n/a | |
| Net Interest Margin | 3.51% | 2.64% | 2.88% | 3.13% | 3.30% | 3.54% | 3.80% | 3.81% | +68 bps | |
| Efficiency Ratio | 86.41% | 111.18% | 103.52% | 103.30% | 103.29% | 264% | 140.43% | 143.56% | +4,026 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.07% | -0.68% | -3.28% | -8.01% | -13.68% | -18.11% | -18.81% | -13.68% | -567 bps | |
| Loan Growth (YoY) | 5.13% | 2.80% | 2.45% | -2.91% | -10.15% | -10.28% | -11.61% | -11.14% | -823 bps | |
| Share Growth (YoY) | -1.60% | -0.76% | -2.33% | -6.36% | -10.77% | -12.80% | -13.92% | -7.77% | -142 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.47% | 5.17% | 7.06% | 6.32% | 9.74% | 7.13% | 6.76% | 5.64% | -68 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 | 0.60% | 0.66% | 1.86% | 1.96% | 3.10% | 4.85% | 5.04% | 4.91% | +295 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.80% | 8.28% | 7.55% | 7.24% | 5.88% | 1.32% | 0.95% | -0.04% | -729 bps | |
| Net Worth / Assets | 8.80% | 8.28% | 7.55% | 7.24% | 5.88% | 1.32% | 0.95% | -0.04% | -729 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.45% | 75.43% | 76.94% | 78.43% | 81.00% | 77.60% | 79.01% | 75.57% | -286 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |