Burbank, CA · Charter 13384
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 | -0.31% | -0.21% | -0.30% | -0.11% | -0.14% | -0.08% | -0.22% | -0.09% | +2 bps | |
| Return on Equity | -3.98% | -2.78% | -3.86% | -1.37% | -1.75% | -0.99% | -2.77% | -1.09% | +28 bps | |
| Net Interest Margin | 2.14% | 2.13% | 2.10% | 2.16% | 2.20% | 2.24% | 2.11% | 2.16% | -1 bps | |
| Efficiency Ratio | 106.43% | 103.92% | 108.05% | 102.28% | 102.79% | 100.22% | 106.45% | 100.34% | -194 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.97% | 3.28% | 1.66% | 0.43% | -3.82% | -6.02% | -3.32% | -4.11% | -454 bps | |
| Loan Growth (YoY) | -5.85% | -3.46% | -1.91% | -9.83% | -5.96% | -3.86% | -2.64% | 0.66% | +1,049 bps | |
| Share Growth (YoY) | 3.32% | 3.77% | 2.12% | 0.73% | -4.02% | -6.40% | -3.58% | -4.35% | -508 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.91% | 1.59% | 1.50% | 0.95% | 0.55% | 0.67% | 0.49% | 0.42% | -53 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 | 0.71% | 0.71% | 0.66% | 0.62% | 0.41% | 0.45% | 0.47% | 0.46% | -16 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.68% | 7.67% | 7.68% | 7.80% | 7.90% | 8.08% | 7.89% | 8.07% | +27 bps | |
| Net Worth / Assets | 7.68% | 7.67% | 7.68% | 7.80% | 7.90% | 8.08% | 7.89% | 8.07% | +27 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 43.15% | 42.12% | 42.47% | 40.86% | 42.27% | 43.26% | 42.88% | 43.01% | +214 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |