Brea, CA · Charter 60797
Q1 2006
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.10% | -0.17% | -0.03% | 0.14% | 0.29% | 0.11% | 0.05% | -1.42% | -156 bps | |
| Return on Equity | -1.49% | -2.63% | -0.43% | 2.16% | 4.45% | 1.73% | 0.74% | -21.19% | -2,334 bps | |
| Net Interest Margin | 4.19% | 4.10% | 4.28% | 4.08% | 4.09% | 4.11% | 4.23% | 4.05% | -2 bps | |
| Efficiency Ratio | 102.11% | 103.73% | 101.47% | 96.82% | 92.92% | 93.51% | 95.82% | 132.50% | +3,569 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.82% | 5.97% | -2.20% | -1.17% | 1.25% | -0.76% | -1.96% | -5.69% | -452 bps | |
| Loan Growth (YoY) | -17.35% | -13.94% | -14.03% | -16.93% | -15.20% | -15.20% | -11.47% | -8.27% | +866 bps | |
| Share Growth (YoY) | 2.31% | 6.62% | -2.81% | -1.34% | 1.17% | -0.96% | -1.71% | -6.08% | -474 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.29% | 0.00% | 0.00% | 0.00% | 0.56% | 0.34% | 0.61% | 0.06% | +6 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 | 0.30% | 0.31% | 0.25% | 0.26% | 0.28% | 0.30% | 0.30% | 0.30% | +4 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.52% | 6.34% | 6.77% | 6.64% | 6.60% | 6.57% | 6.95% | 6.70% | +6 bps | |
| Net Worth / Assets | 6.52% | 6.34% | 6.77% | 6.64% | 6.60% | 6.57% | 6.95% | 6.70% | +6 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 51.61% | 47.69% | 45.98% | 43.50% | 43.26% | 40.84% | 41.41% | 42.48% | -102 bps | |
| Liquid Assets / Assets | 15.88% | 25.48% | 24.63% | 29.52% | 21.54% | 26.55% | 24.13% | 26.32% | -321 bps | |