Los Angeles, CA · Charter 64715
Q2 2013
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 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.77% | 0.94% | 0.45% | 0.44% | 1.10% | 0.69% | 0.28% | -0.16% | -60 bps | |
| Return on Equity | -52.19% | 16.51% | 7.74% | 6.76% | 15.30% | 9.37% | 3.51% | -2.03% | -879 bps | |
| Net Interest Margin | 4.55% | 4.59% | 3.78% | 4.08% | 4.12% | 4.32% | 4.27% | 4.36% | +29 bps | |
| Efficiency Ratio | 125.04% | 64.00% | 87.11% | 88.31% | 76.65% | 84.41% | 92.34% | 87.73% | -58 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.06% | -5.09% | -7.03% | -13.29% | -13.22% | -15.11% | -19.97% | -14.94% | -164 bps | |
| Loan Growth (YoY) | -9.53% | -23.33% | -25.05% | -26.30% | -19.22% | -10.39% | -10.25% | -9.65% | +1,664 bps | |
| Share Growth (YoY) | -0.78% | -2.41% | -6.65% | -12.81% | -15.11% | -16.79% | -21.90% | -16.50% | -369 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.59% | 0.66% | 0.40% | 1.00% | 0.61% | 0.78% | 0.19% | 0.18% | -82 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 | 1.43% | 1.67% | 1.77% | 1.84% | 1.93% | 2.02% | 1.78% | 1.41% | -43 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 5.31% | 5.70% | 5.84% | 6.51% | 7.18% | 7.41% | 7.97% | 8.07% | +157 bps | |
| Net Worth / Assets | 5.31% | 5.70% | 5.84% | 6.51% | 7.18% | 7.41% | 7.97% | 8.07% | +157 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 89.35% | 82.02% | 79.63% | 86.24% | 85.03% | 88.33% | 91.51% | 93.31% | +708 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |