San Diego, CA · Charter 7258
Q1 2015
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.02% | 0.85% | 0.78% | 1.09% | 1.05% | 1.06% | 1.07% | 0.61% | -47 bps | |
| Return on Equity | 6.99% | 5.72% | 5.24% | 7.36% | 7.16% | 7.06% | 6.95% | 4.03% | -333 bps | |
| Net Interest Margin | 4.76% | 4.88% | 4.82% | 4.49% | 4.28% | 4.22% | 4.18% | 3.68% | -81 bps | |
| Efficiency Ratio | 66.55% | 68.88% | 73.17% | 79.68% | 78.71% | 77.27% | 75.50% | 79.56% | -12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.45% | -1.88% | -2.08% | -1.27% | 5.57% | 5.99% | 4.05% | 3.22% | +449 bps | |
| Loan Growth (YoY) | -21.69% | -21.17% | -20.91% | -21.79% | -17.42% | -13.91% | -8.40% | -5.93% | +1,586 bps | |
| Share Growth (YoY) | -4.70% | -2.79% | -2.82% | -1.87% | 3.59% | 4.22% | 1.33% | 1.33% | +320 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.75% | 1.79% | 2.15% | 1.88% | 1.52% | 1.56% | 1.69% | 1.22% | -66 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 | 5.02% | 5.03% | 5.07% | 4.51% | 4.08% | 3.76% | 3.64% | 3.80% | -72 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.64% | 14.95% | 14.86% | 14.76% | 14.65% | 15.04% | 15.35% | 15.24% | +48 bps | |
| Net Worth / Assets | 14.64% | 14.95% | 14.86% | 14.76% | 14.65% | 15.04% | 15.35% | 15.24% | +48 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 58.73% | 56.55% | 52.94% | 49.43% | 46.82% | 46.71% | 47.86% | 45.89% | -354 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |