Newport Beach, CA · Charter 97072
Q1 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2009, the quarter ended March 31, 2009, 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.
Newport Beach, CA · Charter 97072
Q1 2009
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 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.40% | -0.95% | -1.05% | 0.07% | -0.87% | -1.00% | -1.10% | -5.61% | -568 bps | |
| Return on Equity | -6.51% | -4.33% | -4.68% | 0.31% | -3.82% | -4.41% | -5.00% | -27.11% | -2,742 bps | |
| Net Interest Margin | 4.00% | 4.05% | 4.07% | 3.92% | 3.88% | 3.86% | 3.78% | 3.51% | -41 bps | |
| Efficiency Ratio | 102.66% | 101.17% | 103.09% | 97.11% | 111.02% | 107.75% | 105.73% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.02% | -7.01% | -10.85% | -10.28% | -8.93% | -7.46% | -2.88% | -4.56% | +572 bps | |
| Loan Growth (YoY) | -19.02% | -14.37% | -7.06% | -10.01% | -10.29% | -6.61% | -4.39% | 0.19% | +1,020 bps | |
| Share Growth (YoY) | -9.34% | -8.40% | -12.81% | -11.94% | -10.22% | -8.17% | -2.09% | -2.71% | +923 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.48% | 0.51% | 9.88% | 0.81% | 1.35% | 1.77% | 1.91% | 0.73% | -7 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 | 1.06% | 0.92% | 1.23% | 1.36% | 1.47% | 1.41% | 1.72% | 0.52% | -84 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 21.43% | 21.99% | 22.50% | 22.15% | 22.78% | 22.69% | 22.07% | 20.69% | -146 bps | |
| Net Worth / Assets | 21.43% | 21.99% | 22.50% | 22.15% | 22.78% | 22.69% | 22.07% | 20.69% | -146 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 52.28% | 54.88% | 55.68% | 50.21% | 52.24% | 55.82% | 54.37% | 51.71% | +150 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |