Redding, CA · Charter 9768
Q3 2010
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 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.81% | -0.94% | -4.66% | -6.95% | -5.09% | -5.31% | -2.88% | -4.49% | +246 bps | |
| Return on Equity | -9.05% | -11.06% | -64.21% | -127.80% | -91.08% | -96.36% | -57.13% | -106.42% | +2,139 bps | |
| Net Interest Margin | 4.19% | 4.00% | 3.71% | 3.77% | 4.26% | 4.90% | 4.98% | 6.37% | +260 bps | |
| Efficiency Ratio | 111.23% | 114.78% | 119.28% | 159.17% | 135.36% | 132.59% | 106.87% | 93.27% | -6,590 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.75% | -7.63% | -6.66% | -11.95% | -8.21% | -21.62% | -25.55% | -40.23% | -2,828 bps | |
| Loan Growth (YoY) | -20.25% | -23.41% | -15.67% | -12.76% | 3.16% | 8.85% | 11.27% | -18.44% | -567 bps | |
| Share Growth (YoY) | -9.49% | -7.40% | -5.69% | -9.25% | -4.93% | -19.10% | -23.55% | -39.45% | -3,020 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 8.82% | 8.98% | 10.66% | 3.91% | 3.59% | 1.02% | 0.00% | 0.00% | -391 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 | 1.35% | 1.67% | 1.99% | 0.06% | 0.24% | 0.05% | 0.14% | 3.52% | +346 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.99% | 8.47% | 7.26% | 5.44% | 5.59% | 5.51% | 5.05% | 4.22% | -121 bps | |
| Net Worth / Assets | 8.99% | 8.47% | 7.26% | 5.44% | 5.59% | 5.51% | 5.05% | 4.22% | -121 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 49.68% | 45.27% | 41.18% | 45.94% | 53.91% | 60.91% | 59.93% | 61.88% | +1,594 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |