Torrance, CA · Charter 21527
Q3 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2007, the quarter ended September 30, 2007, 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.
Torrance, CA · Charter 21527
Q3 2007
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 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.03% | 1.38% | 1.20% | 1.29% | 1.39% | 1.55% | 1.40% | 1.13% | -16 bps | |
| Return on Equity | 11.14% | 14.44% | 12.75% | 12.96% | 13.48% | 14.93% | 13.60% | 10.77% | -219 bps | |
| Net Interest Margin | 3.04% | 3.30% | 3.14% | 3.34% | 3.38% | 3.36% | 3.29% | 3.39% | +5 bps | |
| Efficiency Ratio | 72.22% | 69.50% | 73.24% | 73.08% | 71.57% | 67.39% | 67.83% | 72.77% | -31 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.29% | 7.38% | 6.73% | 4.18% | 3.38% | 6.99% | 6.15% | 7.56% | +338 bps | |
| Loan Growth (YoY) | 0.15% | 9.64% | 24.79% | 17.22% | 13.61% | 8.41% | 3.35% | 1.92% | -1,530 bps | |
| Share Growth (YoY) | 13.09% | 6.61% | 5.99% | 2.23% | 2.33% | 6.09% | 5.17% | 7.75% | +553 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.53% | 0.20% | 0.07% | 0.10% | 0.11% | 0.14% | 0.62% | 0.56% | +47 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% | 0.15% | 0.15% | 0.13% | 0.11% | 0.12% | 0.16% | 0.23% | +11 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.25% | 9.59% | 9.38% | 9.92% | 10.34% | 10.37% | 10.26% | 10.47% | +55 bps | |
| Net Worth / Assets | 9.25% | 9.59% | 9.38% | 9.92% | 10.34% | 10.37% | 10.26% | 10.47% | +55 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.75% | 88.90% | 90.04% | 97.29% | 95.21% | 90.84% | 88.48% | 92.02% | -527 bps | |
| Liquid Assets / Assets | 8.39% | 6.80% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |