Los Angeles, CA · Charter 9382
Q1 2006
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.40% | 2.04% | 0.97% | -0.74% | 0.12% | 0.53% | 1.79% | 1.79% | +252 bps | |
| Return on Equity | 19.60% | 8.53% | 4.07% | -3.17% | 0.52% | 2.25% | 7.71% | 7.67% | +1,084 bps | |
| Net Interest Margin | 2.18% | 2.66% | 1.89% | 0.86% | 1.56% | 2.05% | 1.92% | 3.28% | +242 bps | |
| Efficiency Ratio | 61.02% | 109.81% | 153.75% | 185.38% | 92.39% | 74.47% | 12.82% | 45.71% | -13,968 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.60% | -6.12% | -9.27% | -3.29% | 0.21% | 5.87% | 7.42% | 5.57% | +886 bps | |
| Loan Growth (YoY) | 1.88% | -1.02% | -6.07% | -9.99% | -29.69% | -38.87% | -39.41% | -31.09% | -2,110 bps | |
| Share Growth (YoY) | -4.04% | -9.66% | -12.74% | -6.12% | -0.48% | 6.77% | 7.78% | 5.38% | +1,151 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.10% | 7.67% | 0.00% | 8.63% | 8.37% | 12.66% | 1.44% | 0.00% | -863 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 | 7.15% | 8.05% | 8.56% | 0.72% | 0.76% | 0.99% | 1.06% | 1.05% | +33 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 22.43% | 23.94% | 23.93% | 23.19% | 23.01% | 23.34% | 23.16% | 23.30% | +11 bps | |
| Net Worth / Assets | 22.43% | 23.94% | 23.93% | 23.19% | 23.01% | 23.34% | 23.16% | 23.30% | +11 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 39.82% | 38.09% | 36.61% | 30.78% | 28.14% | 21.81% | 20.59% | 20.13% | -1,065 bps | |
| Liquid Assets / Assets | 44.12% | 72.63% | 73.76% | 73.11% | 75.54% | 80.59% | 81.36% | 0.00% | -7,311 bps | |