Palm Springs, CA · Charter 12111
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 | 1.15% | 0.21% | 0.41% | 0.00% | 0.08% | 0.42% | -0.51% | -1.47% | -147 bps | |
| Return on Equity | 9.25% | 1.72% | 3.34% | 0.01% | 0.67% | 3.41% | -4.24% | -12.94% | -1,295 bps | |
| Net Interest Margin | 3.31% | 3.34% | 3.00% | 2.84% | 2.83% | 2.86% | 2.70% | 2.59% | -25 bps | |
| Efficiency Ratio | 107.94% | 109.59% | 101.73% | 106.65% | 102.10% | 91.72% | 138.19% | 132.56% | +2,591 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.81% | -5.67% | -9.12% | -1.67% | 0.53% | 1.57% | 2.84% | 0.97% | +264 bps | |
| Loan Growth (YoY) | -9.97% | -10.14% | -7.95% | -5.78% | -3.80% | -1.69% | 1.54% | 1.12% | +691 bps | |
| Share Growth (YoY) | -6.02% | -6.77% | -9.87% | -1.10% | 1.48% | -0.59% | 1.22% | -0.25% | +85 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.93% | 2.39% | 0.09% | 0.87% | 2.53% | 1.51% | 1.08% | 1.04% | +16 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 | 1.70% | 2.74% | 2.48% | 2.03% | 1.92% | 2.08% | 1.74% | 2.94% | +91 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.41% | 12.02% | 12.19% | 11.76% | 11.75% | 12.25% | 12.06% | 11.33% | -43 bps | |
| Net Worth / Assets | 12.41% | 12.02% | 12.19% | 11.76% | 11.75% | 12.25% | 12.06% | 11.33% | -43 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 43.86% | 43.10% | 41.20% | 40.03% | 41.57% | 42.62% | 41.33% | 40.58% | +55 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |