Chatsworth, CA · Charter 16544
Q2 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2007, the quarter ended June 30, 2007, 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.
Chatsworth, CA · Charter 16544
Q2 2007
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 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.00% | 0.53% | 2.05% | -1.47% | -0.35% | -0.41% | 2.76% | 1.81% | +328 bps | |
| Return on Equity | 6.39% | 3.45% | 12.65% | -9.67% | -2.23% | -2.61% | 16.66% | 10.15% | +1,982 bps | |
| Net Interest Margin | 2.88% | 2.53% | 2.87% | 2.25% | 2.74% | 2.52% | 3.10% | 3.08% | +83 bps | |
| Efficiency Ratio | 55.93% | 63.45% | 48.99% | 86.98% | 65.71% | 71.43% | 15.76% | 20.13% | -6,685 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.78% | -0.14% | -0.51% | -4.49% | -4.54% | -4.20% | -4.58% | -8.83% | -434 bps | |
| Loan Growth (YoY) | -12.18% | -20.11% | -18.58% | -21.35% | -26.35% | -24.31% | -19.74% | -13.55% | +780 bps | |
| Share Growth (YoY) | 3.69% | -0.57% | -1.54% | -4.48% | -4.85% | -4.44% | -5.03% | -11.65% | -717 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.48% | 4.88% | 9.49% | 6.51% | 5.61% | 2.80% | 3.67% | 4.16% | -235 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 | 0.62% | 0.71% | 0.42% | 2.80% | 2.01% | 1.64% | 1.66% | 1.93% | -87 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.56% | 15.48% | 16.18% | 15.20% | 15.84% | 15.66% | 16.58% | 17.81% | +261 bps | |
| Net Worth / Assets | 15.56% | 15.48% | 16.18% | 15.20% | 15.84% | 15.66% | 16.58% | 17.81% | +261 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 47.36% | 44.92% | 41.99% | 36.85% | 36.66% | 35.58% | 35.48% | 36.05% | -80 bps | |
| Liquid Assets / Assets | 30.99% | 36.17% | 57.78% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |