Los Angeles, CA · Charter 4962
Q2 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2014, the quarter ended June 30, 2014, 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.
Los Angeles, CA · Charter 4962
Q2 2014
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 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.43% | -0.94% | -0.91% | -0.72% | -0.71% | -0.85% | -4.27% | -5.06% | -435 bps | |
| Return on Equity | -5.38% | -11.91% | -11.94% | -9.64% | -9.49% | -10.64% | -60.28% | -87.65% | -7,801 bps | |
| Net Interest Margin | 3.06% | 3.14% | 2.79% | 2.83% | 2.93% | 3.20% | 3.15% | 3.17% | +34 bps | |
| Efficiency Ratio | 109.74% | 112.07% | 130.46% | 123.85% | 122.60% | 124.51% | 136.23% | 203% | +7,959 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.13% | -5.23% | -5.80% | -8.05% | -7.29% | -10.91% | -13.48% | -15.04% | -699 bps | |
| Loan Growth (YoY) | 9.29% | 9.61% | 6.50% | -0.13% | -5.03% | -3.76% | -5.97% | -3.39% | -326 bps | |
| Share Growth (YoY) | 0.19% | -4.63% | -5.41% | -6.89% | -5.34% | -9.58% | -12.03% | -13.42% | -653 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.81% | 1.58% | 1.30% | 2.15% | 2.33% | 3.75% | 2.36% | 1.43% | -72 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 | 1.95% | 2.49% | 2.44% | 2.46% | 2.46% | 1.78% | 2.73% | 1.71% | -75 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.03% | 7.86% | 7.58% | 7.45% | 7.51% | 7.98% | 7.09% | 5.78% | -167 bps | |
| Net Worth / Assets | 8.03% | 7.86% | 7.58% | 7.45% | 7.51% | 7.98% | 7.09% | 5.78% | -167 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 29.09% | 30.47% | 29.36% | 28.21% | 29.19% | 32.44% | 31.38% | 31.48% | +327 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |