San Diego, CA · Charter 97081
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 | 0.02% | -0.08% | -0.13% | 0.06% | 0.12% | 0.18% | -5.00% | -3.31% | -337 bps | |
| Return on Equity | 0.24% | -0.85% | -1.42% | 0.60% | 1.28% | 1.78% | -58.68% | -38.39% | -3,899 bps | |
| Net Interest Margin | 3.36% | 3.47% | 3.19% | 3.34% | 3.41% | 3.61% | 3.49% | 3.84% | +51 bps | |
| Efficiency Ratio | 90.14% | 88.99% | 88.42% | 86.07% | 83.05% | 81.53% | 193.64% | 87.45% | +138 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.12% | -2.92% | -3.33% | -3.09% | -2.11% | -4.01% | -6.23% | -7.26% | -416 bps | |
| Loan Growth (YoY) | 2.01% | 3.48% | 2.51% | 1.93% | 0.14% | 1.79% | 2.54% | 0.93% | -99 bps | |
| Share Growth (YoY) | 2.48% | -2.50% | -3.07% | -3.20% | -2.21% | -5.54% | -5.81% | -6.37% | -317 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.78% | 1.00% | 1.03% | 1.09% | 0.95% | 2.33% | 0.95% | 1.30% | +21 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 | 0.70% | 0.81% | 0.86% | 0.82% | 0.85% | 0.86% | 1.25% | 2.26% | +144 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.37% | 9.60% | 8.96% | 9.40% | 9.57% | 10.18% | 8.52% | 8.63% | -77 bps | |
| Net Worth / Assets | 9.37% | 9.60% | 8.96% | 9.40% | 9.57% | 10.18% | 8.52% | 8.63% | -77 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.65% | 84.74% | 77.14% | 81.41% | 83.62% | 91.32% | 83.97% | 87.76% | +635 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |