Tehachapi, CA · Charter 14757
Q1 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2013, the quarter ended March 31, 2013, 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.
Tehachapi, CA · Charter 14757
Q1 2013
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 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.23% | -2.27% | -5.77% | -0.85% | -0.41% | -0.55% | -1.57% | 0.17% | +101 bps | |
| Return on Equity | -2.89% | -33.91% | -166.27% | -25.41% | -11.79% | -17.49% | -75.45% | 7.44% | +3,285 bps | |
| Net Interest Margin | 6.39% | 6.09% | 6.53% | 6.68% | 6.57% | 6.20% | 6.00% | 5.26% | -142 bps | |
| Efficiency Ratio | 103.53% | 115.78% | 111.94% | 90.99% | 82.47% | 83.54% | 89.04% | 96.97% | +598 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.89% | -6.15% | -15.39% | -16.17% | -16.53% | -12.08% | -4.71% | -7.42% | +875 bps | |
| Loan Growth (YoY) | 28.28% | 23.11% | 0.52% | -10.72% | -13.66% | -18.04% | -24.39% | -20.32% | -960 bps | |
| Share Growth (YoY) | 4.42% | -0.01% | -6.55% | -12.00% | -12.46% | -8.73% | -3.31% | -6.34% | +567 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 18.41% | 17.49% | 17.51% | 19.67% | 15.93% | 10.67% | 11.58% | 13.82% | -586 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 | 6.48% | 6.58% | 8.68% | 8.97% | 8.19% | 6.38% | 4.53% | 3.83% | -515 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.01% | 6.70% | 3.47% | 3.34% | 3.45% | 3.17% | 2.08% | 2.23% | -111 bps | |
| Net Worth / Assets | 8.01% | 6.70% | 3.47% | 3.34% | 3.45% | 3.17% | 2.08% | 2.23% | -111 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 87.13% | 87.94% | 91.20% | 87.74% | 85.94% | 78.97% | 71.32% | 74.64% | -1,310 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |