La Mesa, CA · Charter 11101
Q2 2015
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 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.00% | -0.23% | -0.83% | -0.96% | -0.84% | -0.82% | -0.19% | -0.54% | +43 bps | |
| Return on Equity | 0.00% | -1.67% | -6.35% | -7.64% | -6.56% | -6.36% | -1.54% | -4.08% | +356 bps | |
| Net Interest Margin | 2.49% | 2.39% | 2.12% | 2.00% | 2.08% | 2.14% | 2.29% | 2.41% | +41 bps | |
| Efficiency Ratio | 116.39% | 122.18% | 123.27% | 139.19% | 134.02% | 133.43% | 108.89% | 127.46% | -1,173 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.36% | -5.27% | 0.67% | 4.97% | 1.26% | -0.59% | -0.77% | -8.24% | -1,320 bps | |
| Loan Growth (YoY) | -20.46% | -22.86% | -17.47% | -19.39% | -11.51% | 1.02% | 8.90% | -3.28% | +1,611 bps | |
| Share Growth (YoY) | -1.51% | -5.80% | 2.28% | 5.62% | 2.49% | 0.14% | -1.06% | -9.39% | -1,502 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.13% | 0.08% | 0.02% | 0.00% | 0.00% | 0.00% | 0.00% | -2 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 | 0.91% | 0.99% | 1.35% | 1.48% | 1.61% | 1.66% | 1.69% | 1.80% | +33 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.86% | 13.62% | 13.13% | 12.61% | 12.83% | 12.89% | 12.59% | 13.15% | +54 bps | |
| Net Worth / Assets | 13.86% | 13.62% | 13.13% | 12.61% | 12.83% | 12.89% | 12.59% | 13.15% | +54 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 33.24% | 30.68% | 28.65% | 27.90% | 28.70% | 30.95% | 31.54% | 29.78% | +188 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |