Santa Ana, CA · Charter 20658
Q4 2009
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 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.79% | 0.47% | 0.47% | 0.41% | 0.20% | 0.46% | -0.21% | -60.97% | -6,138 bps | |
| Return on Equity | 5.06% | 3.12% | 3.06% | 2.95% | 1.45% | 3.42% | -2.14% | n/a | n/a | |
| Net Interest Margin | 3.19% | 2.64% | 2.49% | 2.31% | 2.27% | 2.25% | 1.72% | 1.24% | -107 bps | |
| Efficiency Ratio | 75.64% | 82.51% | 81.71% | 82.65% | 91.07% | 79.73% | 111.95% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.65% | 2.74% | 0.36% | 15.35% | 13.90% | 15.01% | 56.79% | -12.87% | -2,822 bps | |
| Loan Growth (YoY) | -5.78% | -10.52% | -8.12% | -0.77% | -1.40% | 1.90% | -4.88% | -19.94% | -1,917 bps | |
| Share Growth (YoY) | 0.05% | 2.65% | -0.15% | 17.62% | 16.01% | 17.06% | 66.30% | 43.66% | +2,603 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.43% | 0.06% | 0.12% | 0.99% | 0.00% | 1.48% | 24.22% | 46.21% | +4,522 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 | 0.12% | 0.12% | 0.12% | 0.12% | 0.10% | 0.11% | 0.11% | 0.42% | +31 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.68% | 15.07% | 15.36% | 13.91% | 14.06% | 13.52% | 9.71% | -45.00% | -5,891 bps | |
| Net Worth / Assets | 15.68% | 15.07% | 15.36% | 13.91% | 14.06% | 13.52% | 9.71% | -45.00% | -5,891 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 79.96% | 72.95% | 73.38% | 69.83% | 67.96% | 63.51% | 41.97% | 38.92% | -3,091 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |