El Segundo, CA · Charter 17886
Q3 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2008, the quarter ended September 30, 2008, 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.
El Segundo, CA · Charter 17886
Q3 2008
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 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.05% | 0.43% | 0.26% | 0.23% | 0.02% | -0.66% | -0.68% | -1.51% | -174 bps | |
| Return on Equity | 9.07% | 3.62% | 2.03% | 1.79% | 0.16% | -4.97% | -4.90% | -11.78% | -1,357 bps | |
| Net Interest Margin | 4.46% | 4.39% | 4.81% | 4.71% | 5.07% | 4.36% | 4.34% | 4.16% | -55 bps | |
| Efficiency Ratio | 79.23% | 83.87% | 78.68% | 81.87% | 82.21% | 105.58% | 109.74% | 111.11% | +2,924 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.40% | -6.08% | -13.30% | -11.78% | -15.63% | -13.28% | -11.04% | -9.56% | +221 bps | |
| Loan Growth (YoY) | 9.49% | 7.13% | 10.10% | 13.38% | 9.62% | 5.44% | -7.76% | -11.26% | -2,464 bps | |
| Share Growth (YoY) | -9.10% | -7.69% | -15.51% | -13.50% | -17.88% | -14.79% | -12.15% | -9.70% | +380 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.94% | 2.03% | 1.90% | 1.28% | 1.75% | 1.76% | 2.70% | 2.42% | +114 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 | 0.58% | 0.79% | 0.81% | 0.39% | 0.90% | 1.15% | 1.27% | 1.48% | +109 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.53% | 11.82% | 12.74% | 12.75% | 13.69% | 13.37% | 13.86% | 12.80% | +5 bps | |
| Net Worth / Assets | 11.53% | 11.82% | 12.74% | 12.75% | 13.69% | 13.37% | 13.86% | 12.80% | +5 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 48.38% | 49.30% | 56.41% | 59.57% | 64.59% | 61.01% | 59.23% | 58.54% | -103 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |