Compton, CA · Charter 4475
Q3 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2015, the quarter ended September 30, 2015, 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.
Compton, CA · Charter 4475
Q3 2015
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 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.09% | 1.30% | -1.27% | 0.35% | -17.64% | -1.53% | -4.95% | -8.61% | -896 bps | |
| Return on Equity | 4.28% | 5.29% | -5.55% | 1.54% | -165.80% | -14.35% | -54.27% | -182.31% | -18,385 bps | |
| Net Interest Margin | 8.91% | 8.62% | 8.47% | 7.72% | 10.48% | 7.03% | 7.71% | 7.49% | -23 bps | |
| Efficiency Ratio | 89.96% | 86.76% | 112.90% | 96.04% | 317% | 115.74% | 153.27% | 199.22% | +10,318 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -16.02% | -19.51% | -18.94% | -10.17% | -20.72% | -22.22% | -26.17% | -23.85% | -1,368 bps | |
| Loan Growth (YoY) | 17.48% | 8.05% | -5.75% | -19.81% | -34.29% | -40.31% | -36.82% | -40.26% | -2,045 bps | |
| Share Growth (YoY) | -9.16% | -22.10% | -17.22% | -16.01% | -11.35% | 1.29% | -6.03% | 1.21% | +1,722 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.26% | 3.07% | 3.73% | 7.39% | 12.56% | 16.25% | 16.95% | 15.78% | +839 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 | 2.20% | 2.44% | 2.25% | 2.37% | 15.65% | 16.27% | 13.58% | 15.31% | +1,294 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 25.44% | 24.66% | 22.87% | 22.61% | 10.64% | 10.70% | 9.12% | 4.73% | -1,788 bps | |
| Net Worth / Assets | 25.44% | 24.66% | 22.87% | 22.61% | 10.64% | 10.70% | 9.12% | 4.73% | -1,788 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 122.63% | 119.32% | 101.71% | 95.48% | 90.89% | 70.32% | 68.38% | 56.36% | -3,912 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |