Alhambra, CA · Charter 67743
Q3 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2009, the quarter ended September 30, 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.
Alhambra, CA · Charter 67743
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 | 0.89% | 1.32% | 0.78% | 0.83% | 0.78% | -0.68% | 1.24% | 0.97% | +14 bps | |
| Return on Equity | 5.76% | 8.64% | 5.16% | 5.44% | 5.08% | -4.84% | 8.63% | 6.71% | +127 bps | |
| Net Interest Margin | 3.34% | 3.34% | 3.23% | 3.15% | 3.12% | 3.23% | 3.19% | 3.09% | -7 bps | |
| Efficiency Ratio | 77.01% | 64.14% | 75.42% | 74.49% | 75.03% | 68.52% | 61.67% | 58.71% | -1,579 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.79% | 0.23% | 3.67% | 4.84% | 7.15% | 6.06% | 7.40% | 7.36% | +252 bps | |
| Loan Growth (YoY) | -3.52% | -1.77% | -7.32% | -8.12% | -0.18% | 1.54% | 5.85% | 6.94% | +1,506 bps | |
| Share Growth (YoY) | -2.11% | -0.72% | 3.42% | 4.24% | 7.64% | 7.00% | 7.84% | 8.45% | +421 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.28% | 0.44% | 0.38% | 0.51% | 0.48% | 0.20% | 0.34% | 2.59% | +208 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 | 0.02% | 0.02% | 0.05% | 0.03% | 0.06% | 0.06% | 0.08% | 0.41% | +38 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.51% | 15.25% | 15.10% | 15.20% | 15.25% | 14.11% | 14.40% | 14.39% | -81 bps | |
| Net Worth / Assets | 15.51% | 15.25% | 15.10% | 15.20% | 15.25% | 14.11% | 14.40% | 14.39% | -81 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 62.71% | 60.07% | 55.76% | 54.15% | 58.15% | 57.00% | 54.73% | 53.40% | -75 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |