Canoga Park, CA · Charter 9254
Q4 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2015, the quarter ended December 31, 2015, 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.
Canoga Park, CA · Charter 9254
Q4 2015
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 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.27% | -1.24% | -1.21% | -1.16% | 0.08% | -0.19% | -0.31% | 0.00% | +116 bps | |
| Return on Equity | -7.27% | -7.26% | -7.10% | -6.23% | 0.45% | -0.99% | -1.34% | 0.00% | +623 bps | |
| Net Interest Margin | 0.83% | 0.82% | 0.87% | 1.03% | 1.79% | 1.61% | 1.78% | 0.00% | -103 bps | |
| Efficiency Ratio | 254% | 251% | 240% | 213% | 95.32% | 111.73% | 117.23% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.86% | 0.44% | -2.08% | -9.98% | -10.94% | -13.02% | -14.58% | -100.00% | -9,002 bps | |
| Loan Growth (YoY) | -32.12% | -31.77% | -15.41% | 21.16% | 26.48% | 8.75% | -100.00% | -100.00% | -12,116 bps | |
| Share Growth (YoY) | 0.15% | 1.88% | -0.63% | -10.95% | -12.44% | -15.17% | -20.51% | -100.00% | -8,905 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | n/a | n/a | n/a | |
| 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 | 37.12% | 36.19% | 32.99% | 27.89% | 29.35% | 33.28% | n/a | n/a | n/a | |
| Capital | ||||||||||
| Risk-Based Capital | 17.48% | 17.10% | 17.05% | 18.69% | 18.83% | 19.08% | 22.93% | 100.00% | +8,131 bps | |
| Net Worth / Assets | 17.48% | 17.10% | 17.05% | 18.69% | 18.83% | 19.08% | 22.93% | 100.00% | +8,131 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 9.34% | 9.52% | 10.56% | 14.06% | 13.50% | 12.21% | 0.00% | n/a | n/a | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |