Northridge, CA · Charter 68396
Q1 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2012, the quarter ended March 31, 2012, 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.
Northridge, CA · Charter 68396
Q1 2012
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 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.01% | -0.24% | -2.26% | 0.93% | -0.23% | -0.66% | -1.45% | -18.11% | -1,904 bps | |
| Return on Equity | -28.02% | -3.41% | -35.77% | 14.84% | -3.64% | -10.86% | -26.50% | -1425% | -143,999 bps | |
| Net Interest Margin | 2.71% | 3.16% | 3.52% | 3.29% | 3.58% | 3.60% | 3.72% | 3.68% | +39 bps | |
| Efficiency Ratio | 104.54% | 88.31% | 79.15% | 86.76% | 87.85% | 92.39% | 94.96% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -17.62% | -21.49% | -25.44% | -30.81% | -27.90% | -27.55% | -23.57% | -17.32% | +1,348 bps | |
| Loan Growth (YoY) | -15.61% | -14.56% | -18.41% | -29.13% | -32.08% | -33.15% | -29.02% | -23.08% | +605 bps | |
| Share Growth (YoY) | -11.38% | -14.58% | -12.97% | -15.50% | -14.47% | -18.78% | -17.04% | -11.38% | +413 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 6.71% | 7.40% | 8.47% | 12.24% | 11.03% | 11.29% | 12.24% | 10.09% | -215 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 | 2.65% | 2.82% | 5.46% | 6.42% | 7.22% | 7.61% | 8.52% | 9.25% | +283 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.18% | 7.13% | 6.31% | 6.30% | 6.25% | 6.09% | 5.49% | 1.27% | -503 bps | |
| Net Worth / Assets | 7.18% | 7.13% | 6.31% | 6.30% | 6.25% | 6.09% | 5.49% | 1.27% | -503 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 117.82% | 113.38% | 108.06% | 99.21% | 93.57% | 93.33% | 92.46% | 86.11% | -1,310 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |