Northridge, CA · Charter 13135
Q1 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2007, the quarter ended March 31, 2007, 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.
Northridge, CA · Charter 13135
Q1 2007
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 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.44% | -1.92% | 0.00% | 0.14% | 1.50% | -1.48% | -3.76% | -8.11% | -825 bps | |
| Return on Equity | -8.85% | -7.96% | 0.03% | 0.79% | 5.03% | -3.61% | -9.77% | -23.22% | -2,401 bps | |
| Net Interest Margin | 3.12% | 4.35% | 2.59% | 1.85% | 2.30% | 2.62% | 2.34% | 0.50% | -135 bps | |
| Efficiency Ratio | 142.49% | 139.05% | 148.34% | 96.52% | 123.54% | 164.00% | 184.89% | 332% | +23,582 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -23.70% | -38.27% | 9.71% | 10.88% | -41.43% | -39.79% | -57.99% | -55.60% | -6,648 bps | |
| Loan Growth (YoY) | -19.41% | -13.26% | -16.98% | -15.86% | -30.60% | -33.67% | -27.45% | -2.98% | +1,288 bps | |
| Share Growth (YoY) | -25.77% | -43.78% | 12.27% | 12.99% | -51.23% | -54.33% | -68.96% | -65.04% | -7,803 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.16% | 3.76% | 6.72% | 0.00% | 8.00% | 16.58% | 0.20% | 50.99% | +5,099 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 | 0.43% | 0.45% | 0.50% | 0.55% | 0.41% | 0.09% | 0.95% | 2.82% | +227 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.26% | 24.10% | 17.87% | 18.17% | 29.75% | 41.01% | 38.48% | 34.91% | +1,674 bps | |
| Net Worth / Assets | 16.26% | 24.10% | 17.87% | 18.17% | 29.75% | 41.01% | 38.48% | 34.91% | +1,674 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 48.83% | 77.33% | 45.32% | 41.92% | 69.49% | 112.32% | 105.94% | 116.32% | +7,441 bps | |
| Liquid Assets / Assets | 55.76% | 36.27% | 61.47% | 64.48% | 0.00% | 0.00% | 0.00% | 0.00% | -6,448 bps | |