Long Beach, CA · Charter 95040
Q4 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2008, the quarter ended December 31, 2008, 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.
Long Beach, CA · Charter 95040
Q4 2008
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 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.15% | -0.22% | -0.12% | 0.00% | 0.25% | -0.17% | 0.00% | 0.11% | +11 bps | |
| Return on Equity | 1.41% | -2.09% | -1.08% | -0.03% | 2.08% | -1.41% | 0.01% | 0.84% | +87 bps | |
| Net Interest Margin | 3.79% | 3.85% | 3.94% | 4.16% | 4.20% | 4.39% | 4.53% | 4.74% | +58 bps | |
| Efficiency Ratio | 96.32% | 101.20% | 98.55% | 96.95% | 94.60% | 91.73% | 89.82% | 90.31% | -664 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.83% | -6.64% | -5.45% | -6.84% | -9.09% | -10.51% | -11.16% | -10.79% | -395 bps | |
| Loan Growth (YoY) | 6.39% | 6.34% | 3.75% | -0.39% | 0.39% | 1.00% | 1.31% | 1.70% | +210 bps | |
| Share Growth (YoY) | -8.96% | -7.40% | -5.93% | -10.02% | -10.31% | -11.78% | -12.53% | -10.00% | +2 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.65% | 0.22% | 0.32% | 0.44% | 0.45% | 0.31% | 0.55% | 0.46% | +2 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 | 0.52% | 0.50% | 0.49% | 0.27% | 0.31% | 0.68% | 0.61% | 0.48% | +20 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.87% | 10.75% | 10.92% | 11.60% | 11.98% | 12.05% | 12.39% | 13.12% | +152 bps | |
| Net Worth / Assets | 10.87% | 10.75% | 10.92% | 11.60% | 11.98% | 12.05% | 12.39% | 13.12% | +152 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 59.97% | 58.88% | 61.18% | 66.79% | 67.13% | 67.41% | 70.85% | 75.47% | +868 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |