Pomona, CA · Charter 68400
Q2 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2012, the quarter ended June 30, 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.
Pomona, CA · Charter 68400
Q2 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 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.77% | -1.89% | -2.80% | -2.72% | -1.81% | -1.64% | -0.44% | -1.20% | +153 bps | |
| Return on Equity | -7.37% | -19.56% | -31.48% | -32.51% | -21.79% | -19.74% | -5.82% | -16.47% | +1,604 bps | |
| Net Interest Margin | 3.47% | 3.56% | 3.34% | 3.32% | 3.22% | 3.21% | 2.65% | 2.56% | -76 bps | |
| Efficiency Ratio | 99.89% | 100.30% | 101.66% | 105.88% | 108.70% | 106.74% | 109.95% | 146.22% | +4,035 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.75% | -14.73% | -10.18% | -8.64% | -4.57% | -3.18% | 3.93% | 3.45% | +1,209 bps | |
| Loan Growth (YoY) | -7.77% | -8.73% | -17.02% | -20.86% | -21.50% | -21.10% | -18.60% | -23.16% | -230 bps | |
| Share Growth (YoY) | 1.23% | -4.81% | 0.14% | 1.21% | -2.88% | -1.65% | 4.74% | 4.41% | +320 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 6.60% | 3.16% | 7.50% | 5.50% | 5.37% | 2.90% | 3.05% | 0.59% | -491 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 | 2.87% | 3.84% | 5.46% | 5.32% | 4.80% | 5.31% | 5.49% | 3.56% | -176 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.45% | 9.65% | 8.91% | 8.38% | 8.32% | 8.28% | 7.61% | 7.27% | -111 bps | |
| Net Worth / Assets | 10.45% | 9.65% | 8.91% | 8.38% | 8.32% | 8.28% | 7.61% | 7.27% | -111 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 59.91% | 58.93% | 53.36% | 50.40% | 48.43% | 47.27% | 41.47% | 37.09% | -1,331 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |