Santa Monica, CA · Charter 12413
Q3 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2014, the quarter ended September 30, 2014, 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.
Santa Monica, CA · Charter 12413
Q3 2014
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 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.16% | -5.84% | -4.33% | -2.85% | -2.40% | 0.10% | -0.66% | -0.43% | +242 bps | |
| Return on Equity | -11.81% | -74.37% | -57.94% | -44.47% | -33.40% | 1.41% | -9.99% | -6.46% | +3,801 bps | |
| Net Interest Margin | 3.23% | 2.86% | 2.81% | 2.46% | 2.85% | 2.73% | 2.64% | 2.64% | +18 bps | |
| Efficiency Ratio | 117.66% | 118.51% | 131.80% | 136.48% | 136.34% | 225% | 188.13% | 166.56% | +3,008 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.18% | 1.55% | -2.08% | 9.23% | 2.31% | -0.52% | 4.15% | -8.31% | -1,754 bps | |
| Loan Growth (YoY) | -11.40% | -7.25% | -6.54% | -11.00% | -10.39% | -12.01% | -12.80% | -27.73% | -1,672 bps | |
| Share Growth (YoY) | 1.63% | 4.30% | 0.43% | 13.08% | 5.15% | -0.34% | 5.10% | -8.46% | -2,154 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.23% | 3.69% | 3.73% | 4.15% | 0.30% | 1.06% | 2.75% | 3.67% | -48 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 | 0.75% | 3.79% | 4.46% | 4.17% | 3.65% | 1.22% | 1.20% | 0.95% | -323 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.80% | 7.85% | 7.48% | 6.41% | 7.18% | 7.04% | 6.61% | 6.67% | +26 bps | |
| Net Worth / Assets | 9.80% | 7.85% | 7.48% | 6.41% | 7.18% | 7.04% | 6.61% | 6.67% | +26 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 51.25% | 46.83% | 47.94% | 40.95% | 43.67% | 41.35% | 39.77% | 32.33% | -862 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |