El Segundo, CA · Charter 19176
Q4 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2015, the quarter ended December 31, 2015, 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 19176
Q4 2015
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 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.68% | -0.71% | -0.62% | -0.64% | -0.58% | -0.60% | -0.50% | -2.91% | -227 bps | |
| Return on Equity | -5.48% | -5.85% | -5.08% | -5.18% | -4.86% | -4.89% | -3.90% | -27.75% | -2,257 bps | |
| Net Interest Margin | 1.66% | 1.64% | 1.68% | 1.73% | 1.75% | 1.83% | 1.96% | 0.94% | -79 bps | |
| Efficiency Ratio | 129.93% | 133.12% | 128.03% | 126.40% | 120.98% | 119.44% | 112.61% | 307% | +18,109 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.28% | -4.27% | -2.28% | -4.06% | -2.39% | -5.26% | -8.68% | -7.47% | -341 bps | |
| Loan Growth (YoY) | 15.05% | 12.37% | 6.73% | 10.89% | 10.29% | 16.38% | 7.39% | -2.55% | -1,344 bps | |
| Share Growth (YoY) | -2.56% | -4.60% | -2.94% | -4.39% | -6.10% | -6.58% | -8.69% | -7.18% | -280 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.47% | 0.33% | 0.45% | 0.28% | 0.29% | 0.22% | 0.22% | 0.24% | -4 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 | 0.14% | 0.16% | 0.16% | 0.25% | 0.32% | 0.27% | 0.46% | 0.43% | +18 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.34% | 12.12% | 12.27% | 12.40% | 12.04% | 12.22% | 12.89% | 10.49% | -191 bps | |
| Net Worth / Assets | 12.34% | 12.12% | 12.27% | 12.40% | 12.04% | 12.22% | 12.89% | 10.49% | -191 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 28.54% | 28.20% | 29.23% | 32.96% | 33.52% | 35.13% | 34.38% | 34.61% | +164 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |