Moreno Valley, CA · Charter 68390
Q2 2015
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 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.75% | 0.73% | 0.46% | 0.60% | 0.37% | 0.02% | 0.24% | 0.11% | -49 bps | |
| Return on Equity | 9.34% | 9.00% | 5.77% | 7.17% | 4.43% | 0.25% | 2.97% | 1.38% | -578 bps | |
| Net Interest Margin | 3.15% | 3.14% | 3.16% | 3.31% | 3.36% | 3.30% | 2.89% | 2.97% | -35 bps | |
| Efficiency Ratio | 88.58% | 87.44% | 91.68% | 81.74% | 84.49% | 88.36% | 102.80% | 98.65% | +1,691 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.12% | 1.75% | 3.00% | 1.51% | 1.02% | 0.85% | 0.12% | 0.29% | -122 bps | |
| Loan Growth (YoY) | 7.12% | 12.76% | 20.44% | 16.40% | 8.05% | -0.25% | -7.22% | -7.28% | -2,369 bps | |
| Share Growth (YoY) | -0.25% | 0.97% | 0.55% | 1.33% | 0.32% | 0.76% | 1.54% | 0.77% | -56 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.13% | 4.25% | 4.43% | 3.75% | 1.87% | 1.98% | 0.07% | 0.13% | -363 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 | 2.78% | 2.57% | 2.33% | 2.48% | 1.83% | 1.93% | 1.23% | 1.21% | -127 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.05% | 8.15% | 8.04% | 8.35% | 8.43% | 8.10% | 7.99% | 8.10% | -25 bps | |
| Net Worth / Assets | 8.05% | 8.15% | 8.04% | 8.35% | 8.43% | 8.10% | 7.99% | 8.10% | -25 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.72% | 75.60% | 79.92% | 79.60% | 78.32% | 74.83% | 73.02% | 73.24% | -637 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |