Los Angeles, CA · Charter 64767
Q1 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2009, the quarter ended March 31, 2009, 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 64767
Q1 2009
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 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.21% | 0.21% | 0.65% | 0.01% | -0.72% | -2.62% | -4.02% | -7.27% | -728 bps | |
| Return on Equity | 1.99% | 2.03% | 5.67% | 0.05% | -6.32% | -29.23% | -47.06% | -111.82% | -11,188 bps | |
| Net Interest Margin | 9.05% | 8.56% | 8.79% | 6.53% | 5.55% | 5.31% | 5.44% | 4.11% | -242 bps | |
| Efficiency Ratio | 98.13% | 98.12% | 94.79% | 99.94% | 108.07% | 131.94% | 149.10% | 220% | +12,047 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.28% | -11.31% | 1.29% | -8.20% | -10.89% | -12.61% | -8.74% | -8.32% | -13 bps | |
| Loan Growth (YoY) | -23.30% | -28.64% | -31.65% | -34.22% | -38.72% | -26.25% | -28.81% | -23.36% | +1,086 bps | |
| Share Growth (YoY) | -6.42% | -11.96% | 2.59% | -9.10% | -11.80% | -11.31% | -6.00% | -3.79% | +530 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.04% | 10.84% | 13.96% | 17.26% | 21.48% | 20.66% | 14.44% | 12.30% | -496 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 | 4.23% | 4.95% | 4.73% | 4.04% | 3.85% | 3.79% | 4.14% | 4.46% | +43 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.68% | 10.22% | 11.48% | 11.22% | 11.36% | 8.96% | 8.55% | 6.51% | -472 bps | |
| Net Worth / Assets | 10.68% | 10.22% | 11.48% | 11.22% | 11.36% | 8.96% | 8.55% | 6.51% | -472 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 58.44% | 48.78% | 52.53% | 44.27% | 40.60% | 40.56% | 39.79% | 35.27% | -900 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |