San Pedro, CA · Charter 12180
Q2 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2011, the quarter ended June 30, 2011, 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.
San Pedro, CA · Charter 12180
Q2 2011
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 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -14.01% | -8.89% | -5.55% | -6.44% | -6.90% | -13.41% | -58.56% | -24.46% | -1,802 bps | |
| Return on Equity | -52.61% | -32.05% | -18.97% | -20.39% | -21.88% | -36.71% | -59.43% | -24.46% | -406 bps | |
| Net Interest Margin | 8.66% | 7.35% | 6.77% | 6.76% | 3.01% | 2.01% | 0.00% | 0.00% | -676 bps | |
| Efficiency Ratio | 183.18% | 168.91% | 136.09% | 150.62% | 329% | 766% | n/a | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -47.27% | -50.12% | -52.50% | -56.74% | -24.71% | -42.64% | -89.04% | -85.68% | -2,893 bps | |
| Loan Growth (YoY) | -20.62% | -33.97% | -29.76% | -59.84% | -85.52% | -93.53% | -99.09% | -100.00% | -4,016 bps | |
| Share Growth (YoY) | -53.93% | -56.58% | -60.67% | -64.88% | -29.60% | -49.50% | -99.77% | -100.00% | -3,512 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.89% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | n/a | n/a | |
| 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 | 10.11% | 7.92% | 10.42% | 17.86% | 39.11% | 106.51% | 934% | n/a | n/a | |
| Capital | ||||||||||
| Risk-Based Capital | 26.63% | 27.73% | 29.24% | 31.57% | 31.52% | 36.53% | 98.53% | 100.00% | +6,843 bps | |
| Net Worth / Assets | 26.63% | 27.73% | 29.24% | 31.57% | 31.52% | 36.53% | 98.53% | 100.00% | +6,843 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 37.32% | 33.29% | 29.16% | 21.19% | 7.68% | 4.26% | 113.89% | n/a | n/a | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |