Arcadia, CA · Charter 13048
Q2 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2014, the quarter ended June 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.
Arcadia, CA · Charter 13048
Q2 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 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.18% | 0.06% | -0.24% | -1.22% | -0.97% | -1.04% | -7.89% | -6.33% | -511 bps | |
| Return on Equity | 2.84% | 0.75% | -3.33% | -19.18% | -14.94% | -17.16% | -198.01% | -193.09% | -17,391 bps | |
| Net Interest Margin | 3.17% | 3.68% | 3.28% | 3.13% | 3.17% | 3.04% | 2.48% | 2.67% | -46 bps | |
| Efficiency Ratio | 103.84% | 105.16% | 105.68% | 112.55% | 111.61% | 117.34% | 336% | 270% | +15,743 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.32% | -11.84% | -14.30% | -12.47% | -10.81% | 4.99% | 2.36% | -7.46% | +501 bps | |
| Loan Growth (YoY) | 6.76% | 4.62% | 5.49% | -10.52% | -18.69% | -19.14% | -32.66% | -33.48% | -2,296 bps | |
| Share Growth (YoY) | -3.51% | -13.09% | -15.41% | -12.67% | -10.86% | 6.97% | 5.95% | -4.23% | +844 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.54% | 0.59% | 0.63% | 0.00% | 0.00% | 2.84% | 3.66% | 2.46% | +246 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 | 0.10% | 0.11% | 0.11% | 0.31% | 0.34% | 0.37% | 0.71% | 0.62% | +31 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.50% | 7.45% | 7.09% | 6.38% | 6.46% | 6.05% | 3.98% | 3.28% | -310 bps | |
| Net Worth / Assets | 6.50% | 7.45% | 7.09% | 6.38% | 6.46% | 6.05% | 3.98% | 3.28% | -310 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 47.83% | 53.97% | 50.10% | 45.50% | 43.62% | 40.80% | 31.84% | 31.60% | -1,390 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |