Downey, CA · Charter 4362
Q2 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 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -4.65% | 0.41% | -4.68% | -1.95% | -1.09% | 13.32% | -0.96% | -1.54% | +41 bps | |
| Return on Equity | -47.40% | 4.87% | -55.20% | -22.20% | -12.70% | 72.40% | -6.19% | -9.57% | +1,262 bps | |
| Net Interest Margin | 1.95% | 4.01% | 2.52% | 2.75% | 3.53% | 3.11% | 2.76% | 2.97% | +22 bps | |
| Efficiency Ratio | 170.04% | 74.59% | 354% | 122.43% | 119.61% | 26.11% | 127.93% | 143.74% | +2,132 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.30% | -5.70% | -5.72% | -6.12% | -8.64% | 3.88% | 15.45% | 8.14% | +1,426 bps | |
| Loan Growth (YoY) | -11.78% | -11.56% | -10.64% | -7.67% | -11.63% | -17.95% | -22.87% | -25.40% | -1,773 bps | |
| Share Growth (YoY) | 3.02% | -0.87% | -1.77% | -3.13% | -6.38% | -7.39% | 7.68% | -0.43% | +269 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.66% | 1.34% | 1.91% | 1.92% | 1.79% | 2.22% | 1.25% | 1.94% | +2 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 | 2.59% | 2.69% | 2.64% | 2.69% | 0.98% | 5.94% | 8.81% | 9.09% | +640 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.81% | 8.50% | 8.47% | 8.78% | 8.58% | 18.41% | 15.45% | 16.07% | +729 bps | |
| Net Worth / Assets | 9.81% | 8.50% | 8.47% | 8.78% | 8.58% | 18.41% | 15.45% | 16.07% | +729 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 59.66% | 60.19% | 60.82% | 60.06% | 56.31% | 53.33% | 43.56% | 44.99% | -1,506 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |