Downey, CA · Charter 12179
Q1 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2013, the quarter ended March 31, 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.
Downey, CA · Charter 12179
Q1 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 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.37% | -0.43% | -0.96% | 1.06% | 0.03% | -0.23% | -0.44% | -0.49% | -154 bps | |
| Return on Equity | 4.47% | -5.50% | -12.84% | 14.02% | 0.42% | -2.81% | -5.50% | -6.26% | -2,028 bps | |
| Net Interest Margin | 3.86% | 3.91% | 4.03% | 2.96% | 3.36% | 3.22% | 3.38% | 3.36% | +39 bps | |
| Efficiency Ratio | 101.43% | 100.39% | 100.44% | 110.98% | 107.22% | 114.30% | 112.10% | 105.33% | -565 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -14.43% | -16.13% | -13.72% | -4.89% | -5.22% | -11.05% | -10.61% | -12.53% | -764 bps | |
| Loan Growth (YoY) | -34.26% | -36.18% | -24.15% | -31.55% | -28.30% | -21.06% | -9.80% | 2.22% | +3,377 bps | |
| Share Growth (YoY) | -13.90% | -15.98% | -14.03% | -5.99% | -4.59% | -11.16% | -9.66% | -11.44% | -545 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.67% | 1.51% | 0.41% | 0.62% | 0.31% | 0.06% | 0.45% | 0.49% | -13 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 | 1.51% | 2.85% | 3.91% | 3.55% | 1.82% | 1.56% | 1.93% | 2.19% | -135 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.32% | 7.87% | 7.50% | 7.54% | 7.67% | 8.05% | 8.00% | 7.77% | +22 bps | |
| Net Worth / Assets | 8.32% | 7.87% | 7.50% | 7.54% | 7.67% | 8.05% | 8.00% | 7.77% | +22 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 51.48% | 47.61% | 46.42% | 36.59% | 38.68% | 42.31% | 46.35% | 42.24% | +565 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |