Anaheim, CA · Charter 86031
Q2 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2013, the quarter ended June 30, 2013, 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.
Anaheim, CA · Charter 86031
Q2 2013
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 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.98% | 0.19% | -0.05% | -3.88% | -2.12% | -1.55% | -6.72% | -5.07% | -119 bps | |
| Return on Equity | 8.44% | 1.57% | -0.39% | -37.53% | -20.13% | -14.63% | -75.17% | -65.33% | -2,780 bps | |
| Net Interest Margin | 2.85% | 2.87% | 2.09% | 2.59% | 2.54% | 2.50% | 2.34% | 2.19% | -40 bps | |
| Efficiency Ratio | 78.54% | 81.03% | 96.25% | 92.34% | 83.41% | 83.86% | n/a | 1694% | +160,205 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.50% | -0.78% | 6.92% | -1.26% | -1.57% | -0.82% | -3.81% | 4.16% | +542 bps | |
| Loan Growth (YoY) | -12.78% | -6.44% | -10.47% | -14.66% | -16.27% | -17.06% | -20.70% | -16.20% | -154 bps | |
| Share Growth (YoY) | 0.98% | -1.10% | 7.20% | 1.56% | 0.37% | 1.60% | -1.55% | 5.57% | +401 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.72% | 2.48% | 12.43% | 0.67% | 1.98% | 2.44% | 0.85% | 0.54% | -13 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 | 2.13% | 1.50% | 1.27% | 2.56% | 2.63% | 2.54% | 3.31% | 3.02% | +47 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.64% | 12.01% | 11.71% | 10.35% | 10.53% | 10.56% | 8.95% | 7.76% | -259 bps | |
| Net Worth / Assets | 11.64% | 12.01% | 11.71% | 10.35% | 10.53% | 10.56% | 8.95% | 7.76% | -259 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 36.78% | 36.26% | 34.69% | 32.76% | 30.68% | 29.60% | 27.94% | 26.00% | -676 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |