Santa Ana, CA · Charter 5082
Q2 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2008, the quarter ended June 30, 2008, 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 Ana, CA · Charter 5082
Q2 2008
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 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.24% | 0.21% | -3.73% | -3.32% | -2.91% | -2.86% | -1.62% | -1.37% | +195 bps | |
| Return on Equity | 2.44% | 2.06% | -41.29% | -48.94% | -41.43% | -39.87% | -23.41% | -19.53% | +2,941 bps | |
| Net Interest Margin | 4.05% | 4.34% | 3.20% | 3.75% | 4.16% | 4.55% | 4.30% | 4.27% | +52 bps | |
| Efficiency Ratio | 89.27% | 88.26% | 143.81% | 129.86% | 121.96% | 117.34% | 89.30% | 92.11% | -3,775 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.04% | -0.33% | -2.18% | -13.90% | -20.08% | -23.72% | -25.48% | -21.66% | -776 bps | |
| Loan Growth (YoY) | 12.56% | 8.33% | -1.44% | -9.16% | -7.66% | -7.05% | -10.54% | -16.23% | -707 bps | |
| Share Growth (YoY) | 8.14% | 0.04% | -0.53% | -10.77% | -17.23% | -22.25% | -24.59% | -22.17% | -1,140 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.29% | 1.50% | 1.38% | 0.75% | 1.13% | 1.73% | 2.29% | 2.97% | +223 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 | 0.57% | 0.58% | 1.23% | 1.04% | 1.12% | 1.34% | 1.84% | 1.77% | +73 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.66% | 10.09% | 9.03% | 6.78% | 7.02% | 7.18% | 6.93% | 7.02% | +24 bps | |
| Net Worth / Assets | 9.66% | 10.09% | 9.03% | 6.78% | 7.02% | 7.18% | 6.93% | 7.02% | +24 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 69.29% | 70.59% | 65.45% | 68.63% | 77.29% | 84.39% | 77.64% | 73.87% | +524 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |