Buena Park, CA · Charter 2016
Q1 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 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.29% | -0.27% | -0.35% | 0.02% | 0.26% | -0.24% | -0.51% | -0.75% | -77 bps | |
| Return on Equity | -3.87% | -3.52% | -4.42% | 0.22% | 3.31% | -3.05% | -6.65% | -10.57% | -1,079 bps | |
| Net Interest Margin | 2.98% | 3.04% | 3.19% | 2.99% | 2.89% | 2.89% | 2.91% | 2.52% | -46 bps | |
| Efficiency Ratio | 110.48% | 110.05% | 111.20% | 102.42% | 103.69% | 115.29% | 120.81% | 127.28% | +2,486 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.66% | -5.95% | -7.52% | -4.66% | -3.61% | -3.77% | -1.71% | -1.74% | +292 bps | |
| Loan Growth (YoY) | -4.79% | 7.40% | 11.21% | 2.02% | 0.02% | -10.95% | -15.88% | -19.31% | -2,133 bps | |
| Share Growth (YoY) | -9.07% | -6.16% | -7.73% | -4.74% | -3.77% | -3.75% | -1.29% | -1.52% | +322 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 8.75% | 0.00% | 0.17% | 0.00% | 0.00% | 0.00% | 0 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 | 0.27% | 0.25% | 0.32% | 0.35% | 0.02% | 0.00% | 0.04% | 0.30% | -5 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.62% | 7.70% | 7.96% | 7.71% | 7.83% | 7.81% | 7.60% | 7.14% | -57 bps | |
| Net Worth / Assets | 7.62% | 7.70% | 7.96% | 7.71% | 7.83% | 7.81% | 7.60% | 7.14% | -57 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 45.16% | 46.44% | 49.52% | 46.32% | 46.94% | 42.97% | 42.20% | 37.96% | -837 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |