Brea, CA · Charter 97074
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.
Brea, CA · Charter 97074
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 | -0.23% | -0.41% | -0.86% | -0.65% | -0.37% | -0.30% | -0.23% | -0.26% | +39 bps | |
| Return on Equity | -2.52% | -4.70% | -10.43% | -8.02% | -4.31% | -3.49% | -2.75% | -3.26% | +476 bps | |
| Net Interest Margin | 3.43% | 3.37% | 3.47% | 3.33% | 3.43% | 3.47% | 3.05% | 2.94% | -39 bps | |
| Efficiency Ratio | 105.43% | 105.09% | 102.11% | 101.87% | 99.51% | 99.77% | 107.39% | 110.18% | +830 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.32% | 13.24% | 5.52% | 5.42% | 1.38% | -3.19% | -1.94% | 0.16% | -526 bps | |
| Loan Growth (YoY) | -7.30% | -4.81% | -2.34% | -3.03% | -3.90% | -5.21% | -7.13% | -10.30% | -728 bps | |
| Share Growth (YoY) | 1.10% | 15.23% | 6.87% | 6.53% | 2.04% | -3.03% | -1.98% | 0.32% | -621 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.28% | 1.27% | 2.27% | 2.17% | 1.74% | 1.75% | 1.39% | 1.24% | -93 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 | 0.84% | 1.15% | 1.48% | 1.57% | 1.57% | 1.59% | 1.59% | 1.54% | -3 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.23% | 8.74% | 8.28% | 8.15% | 8.58% | 8.73% | 8.31% | 8.04% | -10 bps | |
| Net Worth / Assets | 9.23% | 8.74% | 8.28% | 8.15% | 8.58% | 8.73% | 8.31% | 8.04% | -10 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 59.60% | 57.30% | 54.57% | 53.84% | 56.13% | 56.01% | 51.70% | 48.13% | -570 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |