Norwalk, CA · Charter 7079
Q4 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2012, the quarter ended December 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.
Norwalk, CA · Charter 7079
Q4 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 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.56% | -0.79% | -1.72% | -1.97% | -0.38% | -0.93% | -0.49% | -1.37% | +60 bps | |
| Return on Equity | -4.16% | -5.97% | -13.43% | -15.50% | -3.09% | -7.79% | -4.06% | -11.85% | +365 bps | |
| Net Interest Margin | 3.03% | 3.11% | 3.20% | 3.26% | 2.78% | 2.79% | 2.78% | 2.82% | -44 bps | |
| Efficiency Ratio | 126.56% | 119.79% | 126.65% | 128.38% | 140.63% | 140.47% | 139.95% | 158.66% | +3,028 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -23.57% | -22.72% | -8.92% | -10.01% | -5.40% | -4.78% | -2.71% | -1.75% | +826 bps | |
| Loan Growth (YoY) | -30.73% | -30.81% | -31.61% | -26.43% | -15.15% | -11.68% | -8.61% | -6.41% | +2,002 bps | |
| Share Growth (YoY) | -4.92% | -3.97% | -6.78% | -8.52% | -4.25% | -3.19% | -2.00% | -0.98% | +755 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.55% | 1.80% | 2.02% | 1.31% | 0.39% | 0.40% | 0.67% | 0.51% | -80 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 | 3.88% | 4.18% | 4.30% | 4.62% | 3.70% | 3.60% | 2.25% | 1.96% | -266 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.45% | 13.27% | 12.78% | 12.71% | 12.34% | 11.96% | 12.15% | 11.57% | -115 bps | |
| Net Worth / Assets | 13.45% | 13.27% | 12.78% | 12.71% | 12.34% | 11.96% | 12.15% | 11.57% | -115 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 43.12% | 41.96% | 40.15% | 39.95% | 38.21% | 38.28% | 37.44% | 37.76% | -219 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |