Burbank, CA · Charter 11597
Q3 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2005, the quarter ended September 30, 2005, 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.
Burbank, CA · Charter 11597
Q3 2005
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.42% | -0.27% | 1.24% | -5.32% | -4.00% | -542 bps | |
| Return on Equity | 18.98% | -4.00% | 17.78% | -129.38% | -100.00% | -11,898 bps | |
| Net Interest Margin | 5.45% | 5.96% | 5.24% | 5.26% | 5.68% | +23 bps | |
| Efficiency Ratio | 82.30% | 83.97% | 93.87% | 205% | 167.33% | +8,502 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -14.33% | -15.88% | -16.51% | -6.91% | -13.90% | +43 bps | |
| Loan Growth (YoY) | 2.94% | 4.99% | -3.86% | -6.72% | -13.12% | -1,606 bps | |
| Share Growth (YoY) | -15.99% | -16.62% | -17.08% | -0.61% | -12.06% | +393 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.89% | 2.77% | 4.73% | 1.16% | 0.76% | -213 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.19% | 2.07% | 1.84% | 1.88% | 1.47% | +28 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.47% | 6.87% | 6.97% | 4.11% | 4.00% | -347 bps | |
| Net Worth / Assets | 7.47% | 6.87% | 6.97% | 4.11% | 4.00% | -347 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 86.69% | 93.15% | 88.31% | 85.72% | 85.65% | -105 bps | |
| Liquid Assets / Assets | 16.17% | 11.21% | 15.41% | 15.77% | 14.30% | -187 bps | |