Los Angeles, CA · Charter 65785
Q3 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 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 17.31% | 1.56% | 2.22% | 2.60% | -1.28% | -20.54% | -10.61% | -129.31% | -13,191 bps | |
| Return on Equity | 47.25% | 4.33% | 6.68% | 7.82% | -8.63% | -178.24% | -114.56% | n/a | n/a | |
| Net Interest Margin | 2.74% | 2.50% | 3.13% | 3.13% | -0.77% | 5.77% | 4.20% | 7.33% | +420 bps | |
| Efficiency Ratio | 10.45% | 39.36% | 36.56% | 28.53% | n/a | 437% | 264% | 1399% | +137,030 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.66% | 1.81% | 18.10% | 8.45% | 43.79% | 23.70% | 29.65% | -43.78% | -5,223 bps | |
| Loan Growth (YoY) | 35.74% | 21.86% | 0.25% | 19.62% | -18.23% | -43.65% | -17.03% | -37.19% | -5,681 bps | |
| Share Growth (YoY) | -17.59% | -24.44% | -4.79% | 11.25% | 97.47% | 83.24% | 63.79% | 22.25% | +1,100 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.63% | 2.46% | 3.18% | 2.65% | 80.88% | 21.32% | 5.13% | 3.40% | +75 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 | 1.45% | 1.39% | 1.59% | 1.21% | 1.38% | 1.92% | 1.65% | 7.13% | +591 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 36.64% | 36.09% | 33.23% | 33.23% | 14.82% | 11.53% | 9.26% | -73.20% | -10,643 bps | |
| Net Worth / Assets | 36.64% | 36.09% | 33.23% | 33.23% | 14.82% | 11.53% | 9.26% | -73.20% | -10,643 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 110.86% | 118.82% | 89.49% | 110.62% | 45.91% | 36.54% | 45.33% | 56.84% | -5,378 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |