Bellflower, CA · Charter 10268
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 | 0.25% | 0.07% | -2.59% | -1.81% | -1.30% | -0.31% | -0.75% | -1.04% | +77 bps | |
| Return on Equity | 1.99% | 0.58% | -21.41% | -15.50% | -10.25% | -2.34% | -5.86% | -8.54% | +696 bps | |
| Net Interest Margin | 2.64% | 2.51% | 2.52% | 1.90% | 2.19% | 2.24% | 2.23% | 1.77% | -13 bps | |
| Efficiency Ratio | 90.56% | 97.03% | 109.71% | 134.26% | 121.08% | 113.62% | 133.44% | 149.79% | +1,553 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.64% | -0.27% | -0.17% | -2.87% | -8.98% | -3.27% | -3.60% | -4.96% | -210 bps | |
| Loan Growth (YoY) | -17.52% | -23.94% | -17.79% | -21.20% | -18.55% | -29.37% | -39.17% | -56.70% | -3,550 bps | |
| Share Growth (YoY) | 2.97% | -0.22% | 0.59% | -2.19% | -9.12% | -2.83% | -3.96% | -4.59% | -240 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.86% | 0.18% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 2.34% | 2.51% | 2.50% | 2.72% | 2.88% | 3.55% | 4.11% | 6.28% | +356 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.50% | 12.93% | 12.10% | 11.67% | 12.63% | 13.06% | 12.73% | 12.15% | +48 bps | |
| Net Worth / Assets | 12.50% | 12.93% | 12.10% | 11.67% | 12.63% | 13.06% | 12.73% | 12.15% | +48 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 63.72% | 63.01% | 61.27% | 55.55% | 57.11% | 45.80% | 38.81% | 25.21% | -3,034 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |