Long Beach, CA · Charter 4220
Q4 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2011, the quarter ended December 31, 2011, 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.
Long Beach, CA · Charter 4220
Q4 2011
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 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.64% | -3.18% | 0.52% | -4.55% | -7.17% | -7.69% | -5.11% | -4.70% | -15 bps | |
| Return on Equity | -18.80% | -26.16% | 4.21% | -45.65% | -90.77% | -116.66% | -75.38% | -68.33% | -2,268 bps | |
| Net Interest Margin | 4.41% | 4.09% | 4.17% | 4.46% | 4.52% | 4.38% | 4.39% | 4.73% | +27 bps | |
| Efficiency Ratio | 99.46% | 104.43% | 114.44% | 120.50% | 102.27% | 107.36% | 110.74% | 127.51% | +701 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.01% | 6.15% | -0.38% | -7.44% | -8.64% | -18.43% | -18.49% | -18.17% | -1,073 bps | |
| Loan Growth (YoY) | -13.43% | -9.50% | -10.87% | -15.55% | -17.93% | -25.00% | -25.07% | -24.30% | -875 bps | |
| Share Growth (YoY) | 3.49% | 9.24% | 1.69% | -2.83% | -1.51% | -10.27% | -12.76% | -15.73% | -1,290 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.38% | 3.71% | 2.28% | 0.61% | 7.58% | 1.93% | 1.99% | 1.85% | +124 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 | 1.61% | 3.46% | 2.82% | 4.80% | 7.35% | 8.47% | 7.11% | 6.81% | +201 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.02% | 12.17% | 12.32% | 9.96% | 7.90% | 6.59% | 6.77% | 6.88% | -308 bps | |
| Net Worth / Assets | 14.02% | 12.17% | 12.32% | 9.96% | 7.90% | 6.59% | 6.77% | 6.88% | -308 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 69.02% | 68.16% | 63.59% | 62.91% | 57.51% | 56.97% | 54.62% | 56.51% | -640 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |