Culver City, CA · Charter 5836
Q3 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2007, the quarter ended September 30, 2007, 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.
Culver City, CA · Charter 5836
Q3 2007
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 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.05% | 0.04% | 0.13% | 0.17% | 0.19% | 0.29% | 0.27% | 0.12% | -5 bps | |
| Return on Equity | 0.52% | 0.44% | 1.30% | 1.64% | 1.87% | 2.76% | 2.48% | 1.12% | -52 bps | |
| Net Interest Margin | 3.12% | 3.07% | 3.22% | 3.33% | 3.31% | 3.44% | 3.47% | 3.48% | +15 bps | |
| Efficiency Ratio | 94.46% | 98.69% | 97.49% | 96.21% | 95.66% | 93.41% | 96.10% | 97.17% | +96 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.04% | -3.73% | -3.76% | -5.32% | -2.81% | -3.06% | -3.62% | -2.28% | +304 bps | |
| Loan Growth (YoY) | -4.73% | -0.28% | 4.69% | 3.87% | 6.85% | 3.06% | -2.50% | -3.15% | -702 bps | |
| Share Growth (YoY) | -4.46% | -4.34% | -4.31% | -6.17% | -3.52% | -3.84% | -4.43% | -2.96% | +321 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.58% | 0.39% | 0.25% | 0.26% | 0.27% | 0.42% | 0.40% | 0.58% | +32 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 | 1.08% | 0.96% | 0.86% | 0.83% | 0.81% | 0.74% | 0.56% | 0.72% | -10 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.87% | 9.96% | 10.19% | 10.45% | 10.35% | 10.53% | 10.84% | 10.86% | +40 bps | |
| Net Worth / Assets | 9.87% | 9.96% | 10.19% | 10.45% | 10.35% | 10.53% | 10.84% | 10.86% | +40 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 32.17% | 32.75% | 35.30% | 35.65% | 35.62% | 35.10% | 36.01% | 35.58% | -7 bps | |
| Liquid Assets / Assets | 30.42% | 26.49% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |