El Cajon, CA · Charter 11414
Q3 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2013, the quarter ended September 30, 2013, 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.
El Cajon, CA · Charter 11414
Q3 2013
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 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.17% | 0.46% | 0.23% | -0.19% | -0.37% | 0.10% | -0.28% | -0.90% | -71 bps | |
| Return on Equity | -52.73% | 8.07% | 4.05% | -3.70% | -5.18% | 1.46% | -4.50% | -14.47% | -1,077 bps | |
| Net Interest Margin | 5.14% | 3.61% | 3.36% | 3.05% | 4.16% | 3.35% | 3.14% | 3.21% | +17 bps | |
| Efficiency Ratio | 100.49% | 88.64% | 94.00% | 103.51% | 104.43% | 98.13% | 108.53% | 119.67% | +1,615 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -18.30% | -7.84% | -4.38% | 2.13% | -19.84% | -19.10% | -18.41% | -27.10% | -2,923 bps | |
| Loan Growth (YoY) | -24.68% | -26.98% | -32.47% | -17.25% | -16.64% | -9.33% | -10.57% | -23.91% | -666 bps | |
| Share Growth (YoY) | -16.12% | -7.31% | -0.68% | 0.10% | -23.20% | -20.83% | -19.90% | -26.38% | -2,648 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.30% | 3.13% | 3.66% | 2.15% | 1.42% | 0.52% | 0.43% | 0.34% | -181 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 | 4.91% | 5.91% | 5.63% | 5.55% | 5.21% | 5.28% | 5.74% | 6.48% | +93 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.00% | 5.69% | 5.64% | 5.16% | 7.12% | 6.58% | 6.30% | 6.24% | +108 bps | |
| Net Worth / Assets | 6.00% | 5.69% | 5.64% | 5.16% | 7.12% | 6.58% | 6.30% | 6.24% | +108 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 59.05% | 50.51% | 44.79% | 46.10% | 64.10% | 57.84% | 50.01% | 47.64% | +154 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |