Los Alamitos, CA · Charter 17747
Q3 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2013, the quarter ended September 30, 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.
Los Alamitos, CA · Charter 17747
Q3 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 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.73% | 0.96% | 1.15% | 1.21% | 1.46% | 2.54% | 0.91% | 1.02% | -19 bps | |
| Return on Equity | 7.98% | 10.63% | 12.06% | 12.25% | 13.58% | 22.92% | 8.18% | 8.72% | -353 bps | |
| Net Interest Margin | 5.73% | 5.04% | 5.19% | 5.17% | 5.37% | 5.07% | 5.18% | 5.31% | +14 bps | |
| Efficiency Ratio | 78.39% | 70.33% | 70.40% | 71.47% | 72.60% | 77.65% | 84.07% | 84.29% | +1,282 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.59% | 0.26% | 0.36% | 0.06% | -1.09% | -2.22% | -2.73% | -5.28% | -534 bps | |
| Loan Growth (YoY) | -21.81% | -16.28% | -13.72% | -6.21% | -6.51% | -4.45% | -7.58% | -13.02% | -681 bps | |
| Share Growth (YoY) | -5.59% | -1.47% | -0.44% | -0.97% | -2.16% | -3.54% | -4.16% | -6.97% | -601 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.14% | 0.93% | 1.58% | 1.53% | 0.85% | 0.88% | 0.37% | 0.53% | -100 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 | 4.38% | 4.63% | 4.60% | 4.51% | 3.86% | 3.29% | 3.38% | 3.37% | -114 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.17% | 9.05% | 9.54% | 9.86% | 10.73% | 11.06% | 11.12% | 11.70% | +184 bps | |
| Net Worth / Assets | 9.17% | 9.05% | 9.54% | 9.86% | 10.73% | 11.06% | 11.12% | 11.70% | +184 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 73.57% | 67.26% | 68.72% | 70.08% | 70.30% | 66.63% | 66.28% | 65.52% | -455 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |