Santa Monica, CA · Charter 2937
Q1 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2007, the quarter ended March 31, 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.
Santa Monica, CA · Charter 2937
Q1 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 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.01% | -0.02% | -0.05% | -0.20% | -0.09% | -0.10% | -0.25% | -0.60% | -40 bps | |
| Return on Equity | -0.16% | -0.25% | -0.54% | -2.18% | -1.04% | -1.05% | -2.63% | -6.38% | -421 bps | |
| Net Interest Margin | 4.18% | 4.04% | 4.13% | 4.14% | 4.36% | 4.35% | 4.35% | 3.98% | -16 bps | |
| Efficiency Ratio | 100.32% | 100.50% | 101.09% | 104.41% | 102.02% | 102.10% | 105.39% | 113.80% | +938 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.68% | 4.29% | 2.08% | -0.75% | -2.13% | -7.75% | -9.62% | -7.02% | -626 bps | |
| Loan Growth (YoY) | -1.35% | 16.50% | 11.57% | 11.65% | 13.26% | 3.30% | 7.69% | 7.15% | -451 bps | |
| Share Growth (YoY) | -1.45% | 1.98% | -3.47% | -0.46% | -2.11% | -9.39% | -4.37% | -7.17% | -670 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.21% | 0.00% | 0.03% | 0.00% | 0.00% | 0.00% | 0.00% | -3 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 | 0.26% | 0.22% | 0.23% | 0.24% | 0.22% | 0.21% | 0.11% | 0.11% | -13 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.08% | 8.76% | 8.97% | 9.01% | 9.01% | 9.29% | 9.64% | 9.34% | +33 bps | |
| Net Worth / Assets | 9.08% | 8.76% | 8.97% | 9.01% | 9.01% | 9.29% | 9.64% | 9.34% | +33 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 35.88% | 43.06% | 42.96% | 40.41% | 41.52% | 49.09% | 48.37% | 46.64% | +623 bps | |
| Liquid Assets / Assets | 16.80% | 15.65% | 27.86% | 13.59% | 0.00% | 0.00% | 0.00% | 0.00% | -1,359 bps | |