West Covina, CA · Charter 10753
Q2 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2011, the quarter ended June 30, 2011, 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.
West Covina, CA · Charter 10753
Q2 2011
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 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -7.61% | -2.89% | -2.52% | -2.48% | -1.36% | -1.21% | -3.14% | -4.46% | -198 bps | |
| Return on Equity | -73.16% | -26.05% | -23.34% | -24.03% | -14.07% | -13.22% | -39.04% | -70.10% | -4,607 bps | |
| Net Interest Margin | 2.65% | 2.90% | 3.00% | 3.08% | 3.21% | 3.21% | 3.21% | 3.06% | -2 bps | |
| Efficiency Ratio | 199.16% | 112.55% | 118.14% | 138.15% | 134.87% | 128.52% | 133.44% | 201% | +6,270 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.67% | -1.28% | -6.56% | -3.63% | -0.67% | 0.56% | 3.10% | 6.88% | +1,051 bps | |
| Loan Growth (YoY) | 0.03% | 5.75% | 6.82% | 7.09% | -10.74% | -24.74% | -28.56% | -30.31% | -3,741 bps | |
| Share Growth (YoY) | 3.86% | 0.84% | -5.16% | -1.45% | 0.32% | 2.82% | 6.39% | 10.91% | +1,235 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.69% | 0.17% | 0.78% | 1.27% | 0.35% | 0.20% | 0.03% | 0.86% | -42 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 | 0.51% | 0.53% | 0.52% | 0.89% | 0.77% | 0.78% | 1.40% | 1.68% | +80 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.41% | 11.10% | 10.79% | 10.32% | 9.65% | 9.15% | 8.04% | 6.36% | -396 bps | |
| Net Worth / Assets | 10.41% | 11.10% | 10.79% | 10.32% | 9.65% | 9.15% | 8.04% | 6.36% | -396 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 59.34% | 62.08% | 59.62% | 58.30% | 52.80% | 45.44% | 40.03% | 36.63% | -2,167 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |