Garden Grove, CA · Charter 13451
Q1 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 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.20% | 0.11% | 0.21% | 0.23% | 0.30% | 0.22% | 0.36% | -2.88% | -312 bps | |
| Return on Equity | 1.43% | 0.81% | 1.50% | 1.71% | 2.16% | 1.58% | 2.50% | -21.44% | -2,316 bps | |
| Net Interest Margin | 2.80% | 2.81% | 2.82% | 2.61% | 2.64% | 2.62% | 2.61% | 2.34% | -27 bps | |
| Efficiency Ratio | 96.19% | 93.78% | 91.09% | 93.11% | 93.74% | 94.39% | 88.14% | 203% | +10,987 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.08% | 3.75% | 5.21% | 3.66% | 0.02% | 0.18% | -0.24% | -1.61% | -527 bps | |
| Loan Growth (YoY) | -5.53% | -1.79% | 2.54% | -0.18% | 0.03% | 0.57% | -6.73% | -5.51% | -533 bps | |
| Share Growth (YoY) | 4.24% | 4.09% | 5.69% | 3.87% | -0.29% | -0.19% | -0.58% | -1.10% | -497 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.02% | 0.42% | 0.40% | 0.39% | 0.08% | 0.09% | 0.02% | 0.04% | -35 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 | 0.70% | 0.84% | 0.82% | 0.81% | 0.72% | 0.68% | 0.73% | 0.78% | -3 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.76% | 13.85% | 14.01% | 13.65% | 14.02% | 14.12% | 14.41% | 13.45% | -20 bps | |
| Net Worth / Assets | 13.76% | 13.85% | 14.01% | 13.65% | 14.02% | 14.12% | 14.41% | 13.45% | -20 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 42.22% | 42.58% | 44.07% | 41.57% | 42.35% | 42.90% | 41.34% | 39.71% | -185 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |