Costa Mesa, CA · Charter 12577
Q2 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2009, the quarter ended June 30, 2009, 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.
Costa Mesa, CA · Charter 12577
Q2 2009
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 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.78% | 0.54% | 0.11% | -0.37% | -1.02% | -2.06% | -4.24% | -1.05% | -68 bps | |
| Return on Equity | 9.90% | 6.81% | 1.39% | -5.07% | -15.27% | -35.65% | -92.17% | -23.07% | -1,800 bps | |
| Net Interest Margin | 4.51% | 4.51% | 4.22% | 4.08% | 4.03% | 4.21% | 4.16% | 4.04% | -4 bps | |
| Efficiency Ratio | 84.09% | 85.94% | 97.96% | 97.80% | 98.40% | 103.62% | 94.74% | 105.17% | +737 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.53% | -2.10% | -4.41% | -0.67% | 5.07% | 0.75% | 1.03% | -1.18% | -52 bps | |
| Loan Growth (YoY) | -6.44% | -3.93% | 3.80% | 1.63% | 3.53% | 4.39% | -1.03% | -10.15% | -1,179 bps | |
| Share Growth (YoY) | -7.68% | -6.58% | -5.31% | -1.00% | 6.45% | 7.35% | 3.94% | 1.08% | +208 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.53% | 1.31% | 1.44% | 1.15% | 3.00% | 2.99% | 3.23% | 3.27% | +212 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 | 1.03% | 0.90% | 0.94% | 0.87% | 0.89% | 1.38% | 1.39% | 1.48% | +61 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.91% | 7.91% | 7.78% | 7.35% | 6.71% | 5.79% | 4.60% | 4.55% | -280 bps | |
| Net Worth / Assets | 7.91% | 7.91% | 7.78% | 7.35% | 6.71% | 5.79% | 4.60% | 4.55% | -280 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 82.09% | 88.22% | 82.14% | 82.06% | 79.84% | 85.79% | 78.22% | 72.94% | -912 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |