Costa Mesa, CA · Charter 13560
Q3 2015
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.03% | -0.04% | 0.62% | 0.46% | 0.36% | -0.08% | 0.01% | 0.02% | -44 bps | |
| Return on Equity | -0.23% | -0.35% | 5.09% | 3.75% | 2.92% | -0.67% | 0.10% | 0.19% | -357 bps | |
| Net Interest Margin | 3.06% | 2.78% | 2.62% | 2.67% | 2.70% | 2.68% | 2.56% | 2.63% | -4 bps | |
| Efficiency Ratio | 100.82% | 101.27% | 102.62% | 100.92% | 100.30% | 102.64% | 100.54% | 99.90% | -103 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.92% | -2.31% | 3.06% | 4.28% | 10.11% | 6.91% | 5.25% | 2.83% | -145 bps | |
| Loan Growth (YoY) | -6.85% | -5.51% | -6.12% | -1.71% | -0.26% | -1.62% | -0.99% | -0.53% | +119 bps | |
| Share Growth (YoY) | -6.37% | -3.02% | 2.82% | 5.06% | 10.78% | 7.95% | 5.39% | 3.56% | -150 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.20% | 0.31% | 0.23% | 0.23% | 0.17% | 0.16% | 0.22% | 0.21% | -3 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 | 1.84% | 1.84% | 1.00% | 0.98% | 0.93% | 0.90% | 0.86% | 0.86% | -13 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.05% | 12.50% | 12.12% | 12.18% | 12.21% | 12.03% | 11.57% | 11.87% | -31 bps | |
| Net Worth / Assets | 13.05% | 12.50% | 12.12% | 12.18% | 12.21% | 12.03% | 11.57% | 11.87% | -31 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 54.22% | 51.76% | 47.94% | 47.77% | 48.82% | 47.16% | 45.04% | 45.88% | -189 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |