Los Angeles, CA · Charter 68515
Q3 2010
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 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.31% | -0.76% | 1.21% | 1.40% | 1.08% | 0.91% | 0.52% | 0.41% | -99 bps | |
| Return on Equity | -16.33% | -9.05% | 16.49% | 18.82% | 14.21% | 11.69% | 6.71% | 5.22% | -1,359 bps | |
| Net Interest Margin | 3.87% | 3.98% | 3.81% | 3.73% | 3.83% | 3.96% | 3.91% | 3.72% | -2 bps | |
| Efficiency Ratio | 92.50% | 89.35% | 77.36% | 51.37% | 62.10% | 63.85% | 76.64% | 84.51% | +3,314 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.15% | 7.05% | 6.70% | 8.28% | 4.54% | 4.45% | 4.67% | 1.75% | -653 bps | |
| Loan Growth (YoY) | -6.61% | -9.32% | -9.69% | -13.41% | -13.03% | -13.19% | -12.16% | -14.00% | -59 bps | |
| Share Growth (YoY) | 8.11% | 8.64% | 8.01% | 8.89% | 5.10% | 5.31% | 4.44% | 1.13% | -775 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.62% | 1.09% | 1.21% | 1.33% | 1.21% | 0.74% | 1.35% | 1.26% | -7 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 | 2.56% | 2.40% | 2.19% | 2.94% | 3.08% | 3.44% | 3.50% | 3.66% | +72 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.02% | 8.38% | 7.32% | 7.46% | 7.57% | 7.78% | 7.73% | 7.82% | +37 bps | |
| Net Worth / Assets | 8.02% | 8.38% | 7.32% | 7.46% | 7.57% | 7.78% | 7.73% | 7.82% | +37 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 61.61% | 61.34% | 56.56% | 50.91% | 50.98% | 50.56% | 47.57% | 43.29% | -762 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |