Lancaster, CA · Charter 13057
Q4 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2012, the quarter ended December 31, 2012, 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.
Lancaster, CA · Charter 13057
Q4 2012
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 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.30% | 0.01% | 0.02% | -0.38% | -2.32% | -1.62% | -2.49% | -1.65% | -127 bps | |
| Return on Equity | 5.03% | 0.13% | 0.36% | -7.32% | -50.39% | -35.45% | -65.00% | -40.35% | -3,303 bps | |
| Net Interest Margin | 4.94% | 4.83% | 4.87% | 4.87% | 5.25% | 5.24% | 5.35% | 5.20% | +33 bps | |
| Efficiency Ratio | 77.50% | 80.16% | 81.03% | 80.14% | 76.87% | 72.68% | 70.12% | 69.21% | -1,093 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.06% | 8.78% | 2.88% | 10.69% | 5.95% | -1.34% | -7.61% | -9.81% | -2,049 bps | |
| Loan Growth (YoY) | 13.36% | 10.20% | 7.30% | 5.38% | 1.83% | -9.38% | -17.64% | -25.84% | -3,122 bps | |
| Share Growth (YoY) | 8.45% | 8.32% | 2.41% | 15.42% | 7.37% | -0.37% | -5.86% | -8.55% | -2,396 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.51% | 2.76% | 2.18% | 1.18% | 0.70% | 1.81% | 2.39% | 3.42% | +224 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 | 1.45% | 0.70% | 0.75% | 1.27% | 2.14% | 2.58% | 4.52% | 5.07% | +380 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 5.96% | 5.71% | 5.66% | 5.18% | 4.60% | 4.58% | 3.83% | 4.09% | -109 bps | |
| Net Worth / Assets | 5.96% | 5.71% | 5.66% | 5.18% | 4.60% | 4.58% | 3.83% | 4.09% | -109 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 76.87% | 77.34% | 77.20% | 76.06% | 72.90% | 70.35% | 67.54% | 61.67% | -1,439 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |