Los Angeles, CA · Charter 11095
Q1 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2007, the quarter ended March 31, 2007, 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.
Los Angeles, CA · Charter 11095
Q1 2007
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 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.02% | 0.12% | -0.09% | 0.07% | -0.71% | -0.04% | -1.74% | -0.45% | -53 bps | |
| Return on Equity | 0.14% | 1.01% | -0.73% | 0.57% | -5.35% | -0.33% | -16.22% | -8.15% | -872 bps | |
| Net Interest Margin | 3.93% | 4.01% | 4.17% | 3.84% | 4.16% | 1.75% | 4.07% | 4.31% | +47 bps | |
| Efficiency Ratio | 99.61% | 97.14% | 102.06% | 98.19% | 115.99% | 102.44% | 127.29% | 109.41% | +1,123 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.70% | 2.47% | -3.27% | -11.08% | -14.86% | -11.09% | -0.97% | -7.07% | +400 bps | |
| Loan Growth (YoY) | -7.17% | -4.98% | -0.02% | 1.40% | 13.96% | 37.77% | 58.03% | 40.33% | +3,894 bps | |
| Share Growth (YoY) | 2.68% | 2.48% | -4.14% | -12.55% | -17.05% | -18.45% | -13.99% | -5.88% | +666 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.73% | 0.74% | 1.80% | 1.63% | 0.00% | 0.00% | 0.00% | 10.30% | +867 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 | 1.21% | 1.20% | 1.18% | 1.16% | 1.06% | 0.87% | 0.74% | 9.53% | +836 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.73% | 12.02% | 12.38% | 13.05% | 13.31% | 12.94% | 10.76% | 5.55% | -749 bps | |
| Net Worth / Assets | 11.73% | 12.02% | 12.38% | 13.05% | 13.31% | 12.94% | 10.76% | 5.55% | -749 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 47.39% | 48.70% | 52.48% | 56.28% | 65.10% | 82.26% | 96.42% | 83.92% | +2,764 bps | |
| Liquid Assets / Assets | 30.58% | 29.65% | 34.99% | 48.14% | 0.00% | 0.00% | 0.00% | 0.00% | -4,814 bps | |