San Diego, CA · Charter 10622
Q3 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2012, the quarter ended September 30, 2012, 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.
San Diego, CA · Charter 10622
Q3 2012
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 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.52% | -2.12% | -1.63% | -3.18% | -2.96% | -2.07% | -2.48% | -3.64% | -46 bps | |
| Return on Equity | -9.41% | -14.00% | -10.70% | -22.94% | -20.87% | -14.91% | -18.53% | -23.90% | -96 bps | |
| Net Interest Margin | 3.05% | 2.89% | 2.59% | 2.40% | 2.36% | 1.46% | 1.05% | 1.66% | -74 bps | |
| Efficiency Ratio | 108.16% | 115.34% | 129.80% | 151.79% | 160.57% | 241% | 336% | 314% | +16,173 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.49% | -3.80% | -4.43% | -2.56% | -7.12% | -9.64% | -9.21% | -25.17% | -2,261 bps | |
| Loan Growth (YoY) | -2.92% | 6.27% | -7.05% | -4.39% | -27.44% | -28.33% | -26.85% | -42.17% | -3,778 bps | |
| Share Growth (YoY) | -5.02% | -2.24% | -2.98% | 0.14% | -5.07% | -8.28% | -7.27% | -26.27% | -2,642 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.56% | 2.19% | 2.47% | 1.13% | 3.59% | 0.00% | 0.00% | 0.00% | -113 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 | 1.74% | 1.75% | 1.89% | 2.39% | 3.27% | 3.79% | 4.53% | 6.61% | +422 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.11% | 15.17% | 15.25% | 13.85% | 14.19% | 13.86% | 13.40% | 15.22% | +137 bps | |
| Net Worth / Assets | 16.11% | 15.17% | 15.25% | 13.85% | 14.19% | 13.86% | 13.40% | 15.22% | +137 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 55.17% | 53.45% | 50.53% | 47.06% | 42.17% | 41.76% | 39.85% | 36.91% | -1,014 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |