Los Angeles, CA · Charter 15449
Q2 2013
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.18% | -2.90% | -8.53% | -4.59% | -5.75% | -5.52% | -3.77% | -3.09% | +150 bps | |
| Return on Equity | -17.19% | -15.84% | -55.14% | -31.18% | -44.67% | -38.97% | -27.84% | -23.34% | +784 bps | |
| Net Interest Margin | 4.55% | 4.44% | 4.23% | 3.84% | 3.81% | 4.16% | 2.93% | 2.87% | -97 bps | |
| Efficiency Ratio | 136.61% | 139.31% | 136.40% | 131.41% | 137.17% | 143.06% | 228% | 208% | +7,613 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.90% | -9.37% | -2.31% | 0.79% | 4.75% | -6.85% | -12.49% | -17.27% | -1,807 bps | |
| Loan Growth (YoY) | 1.57% | -5.98% | -7.97% | -2.15% | -14.17% | -14.96% | -19.18% | -27.46% | -2,531 bps | |
| Share Growth (YoY) | -5.91% | -7.65% | 1.58% | 4.99% | 11.98% | -2.16% | -10.61% | -15.77% | -2,075 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 11.43% | 13.24% | 17.42% | 16.16% | 15.36% | 11.78% | 15.56% | 17.55% | +140 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 | 0.92% | 0.98% | 4.43% | 4.25% | 8.20% | 8.86% | 9.25% | 9.88% | +563 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 18.48% | 18.34% | 15.46% | 14.71% | 12.88% | 14.17% | 13.53% | 13.24% | -146 bps | |
| Net Worth / Assets | 18.48% | 18.34% | 15.46% | 14.71% | 12.88% | 14.17% | 13.53% | 13.24% | -146 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 65.59% | 62.57% | 55.10% | 55.40% | 50.27% | 54.39% | 49.82% | 47.71% | -769 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |