Anaheim, CA · Charter 20671
Q3 2006
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 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.64% | 0.21% | 0.48% | 0.39% | 0.37% | 0.18% | 0.59% | 0.55% | +16 bps | |
| Return on Equity | -6.26% | 1.97% | 4.19% | 3.39% | 3.00% | 1.54% | 4.74% | 4.55% | +116 bps | |
| Net Interest Margin | 3.14% | 3.13% | 3.54% | 3.58% | 3.91% | 4.15% | 4.25% | 4.19% | +60 bps | |
| Efficiency Ratio | 96.46% | 102.18% | 95.47% | 95.35% | 95.31% | 96.03% | 87.74% | 88.48% | -687 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.32% | 0.12% | -2.25% | -7.40% | -13.74% | -6.45% | -4.47% | -0.30% | +710 bps | |
| Loan Growth (YoY) | 21.29% | 16.71% | 2.95% | -16.27% | -14.18% | -9.31% | 1.07% | 2.47% | +1,874 bps | |
| Share Growth (YoY) | 5.68% | 0.57% | -2.91% | -8.56% | -15.84% | -7.78% | -5.63% | -0.91% | +765 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.69% | 0.00% | 0.03% | 0.15% | 0.14% | 0.39% | 0.34% | +32 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 | 1.27% | 1.16% | 1.14% | 1.32% | 1.33% | 1.29% | 1.16% | 1.20% | -12 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.28% | 10.84% | 11.45% | 11.52% | 12.28% | 11.93% | 12.39% | 12.02% | +50 bps | |
| Net Worth / Assets | 10.28% | 10.84% | 11.45% | 11.52% | 12.28% | 11.93% | 12.39% | 12.02% | +50 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 44.15% | 46.04% | 43.47% | 41.89% | 45.02% | 45.28% | 46.56% | 43.32% | +143 bps | |
| Liquid Assets / Assets | 49.37% | 49.55% | 58.97% | 60.57% | 58.02% | 58.23% | 0.00% | 0.00% | -6,057 bps | |