Buena Park, CA · Charter 21093
Q2 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2009, the quarter ended June 30, 2009, 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.
Buena Park, CA · Charter 21093
Q2 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 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.50% | -0.96% | 0.82% | 0.55% | 0.14% | -1.62% | -17.71% | -12.05% | -1,260 bps | |
| Return on Equity | 5.26% | -10.45% | 9.68% | 6.96% | 1.77% | -26.41% | -1037% | -17810% | -1,781,663 bps | |
| Net Interest Margin | 5.23% | 5.80% | 5.22% | 4.74% | 4.83% | 4.87% | 5.01% | 4.89% | +14 bps | |
| Efficiency Ratio | 83.46% | 83.56% | 86.18% | 85.01% | 84.20% | 79.45% | 99.65% | 156.43% | +7,142 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.29% | -4.51% | -2.22% | 9.57% | 6.43% | 20.99% | 6.11% | -0.87% | -1,044 bps | |
| Loan Growth (YoY) | 10.82% | 4.61% | 2.84% | -0.88% | 1.62% | -1.76% | -2.54% | -8.66% | -778 bps | |
| Share Growth (YoY) | -3.04% | -4.05% | -1.92% | 11.22% | 8.47% | 24.90% | 13.87% | 6.52% | -470 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.71% | 8.61% | 5.86% | 2.41% | 3.39% | 1.15% | 0.83% | 3.69% | +128 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 | 1.26% | 2.71% | 1.74% | 1.22% | 1.43% | 1.72% | 6.41% | 7.48% | +627 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.44% | 9.21% | 8.48% | 7.94% | 7.82% | 6.15% | 1.71% | 0.07% | -787 bps | |
| Net Worth / Assets | 9.44% | 9.21% | 8.48% | 7.94% | 7.82% | 6.15% | 1.71% | 0.07% | -787 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 75.62% | 85.65% | 73.83% | 69.53% | 70.84% | 67.37% | 63.19% | 59.63% | -991 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |