Burbank, CA · Charter 11187
Q3 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2009, the quarter ended September 30, 2009, 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.
Burbank, CA · Charter 11187
Q3 2009
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 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.24% | 0.03% | 0.05% | 0.00% | -0.07% | -5.69% | -1.22% | -0.60% | -60 bps | |
| Return on Equity | 1.94% | 0.23% | 0.39% | 0.03% | -0.59% | -52.92% | -11.09% | -5.48% | -551 bps | |
| Net Interest Margin | 3.95% | 3.61% | 3.69% | 3.89% | 4.05% | 3.89% | 3.80% | 3.85% | -5 bps | |
| Efficiency Ratio | 89.75% | 87.75% | 87.50% | 86.22% | 88.65% | 162.23% | 107.95% | 100.94% | +1,472 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.35% | -6.14% | -3.89% | -3.50% | -2.26% | -3.54% | 1.67% | 7.84% | +1,133 bps | |
| Loan Growth (YoY) | -13.49% | -9.92% | -12.39% | -16.87% | -17.63% | -17.51% | -14.06% | -5.32% | +1,155 bps | |
| Share Growth (YoY) | -11.95% | -8.14% | -5.37% | -3.98% | -2.57% | -2.58% | 2.15% | 8.68% | +1,266 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.98% | 1.34% | 0.91% | 0.87% | 1.21% | 1.24% | 0.67% | 0.97% | +10 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 | 0.22% | 0.39% | 0.48% | 0.65% | 0.85% | 0.94% | 1.02% | 0.85% | +20 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.19% | 11.82% | 11.91% | 12.27% | 12.40% | 10.76% | 11.01% | 10.86% | -141 bps | |
| Net Worth / Assets | 12.19% | 11.82% | 11.91% | 12.27% | 12.40% | 10.76% | 11.01% | 10.86% | -141 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 64.69% | 59.92% | 57.39% | 55.64% | 54.69% | 50.74% | 48.29% | 48.47% | -717 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |