Santa Ana, CA · Charter 13387
Q1 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 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.68% | 0.83% | 0.01% | -0.75% | -1.20% | -0.91% | -7.54% | -18.65% | -1,791 bps | |
| Return on Equity | 7.34% | 8.17% | 0.08% | -9.12% | -14.67% | -11.08% | -443% | n/a | n/a | |
| Net Interest Margin | 3.91% | 4.24% | 3.95% | 3.13% | 3.26% | 3.53% | 3.76% | 3.98% | +85 bps | |
| Efficiency Ratio | 81.83% | 79.63% | 85.80% | 108.74% | 114.90% | 111.28% | 126.89% | 129.84% | +2,111 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.57% | -8.49% | 4.14% | 1.33% | -0.71% | 4.01% | -5.47% | -22.80% | -2,413 bps | |
| Loan Growth (YoY) | 4.29% | 0.87% | 4.89% | 7.20% | 7.82% | 1.24% | -3.46% | -10.66% | -1,787 bps | |
| Share Growth (YoY) | 0.52% | -9.93% | 2.36% | 2.30% | 0.28% | -4.54% | -14.38% | -14.37% | -1,668 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.98% | 1.66% | 2.54% | 4.58% | 7.51% | 7.93% | 9.66% | 7.03% | +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 | 0.32% | 0.43% | 0.92% | 1.06% | 0.98% | 0.34% | 5.89% | 7.16% | +610 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.31% | 10.19% | 8.74% | 8.19% | 8.17% | 8.25% | 1.70% | -2.67% | -1,085 bps | |
| Net Worth / Assets | 9.31% | 10.19% | 8.74% | 8.19% | 8.17% | 8.25% | 1.70% | -2.67% | -1,085 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 67.44% | 76.00% | 72.94% | 68.45% | 72.51% | 80.61% | 82.24% | 71.42% | +296 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |