Sunnyvale, CA · Charter 13620
Q3 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2003, the quarter ended September 30, 2003, 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.
Sunnyvale, CA · Charter 13620
Q3 2003
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 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.47% | -0.39% | 0.79% | 0.68% | 0.68% | 0.42% | 0.92% | 0.81% | +14 bps | |
| Return on Equity | -4.58% | -3.90% | 7.36% | 5.25% | 5.47% | 3.43% | 7.28% | 5.51% | +26 bps | |
| Net Interest Margin | 2.70% | 2.38% | 2.68% | 3.15% | 2.93% | 2.97% | 2.97% | 3.35% | +19 bps | |
| Efficiency Ratio | 86.57% | 94.53% | 87.31% | 90.34% | 90.30% | 84.55% | 80.48% | 82.46% | -788 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.59% | 5.45% | -3.51% | -10.41% | -13.96% | -14.57% | -10.12% | -7.44% | +297 bps | |
| Loan Growth (YoY) | -25.14% | -28.31% | -33.52% | -30.93% | -22.36% | -20.11% | -12.46% | -0.85% | +3,008 bps | |
| Share Growth (YoY) | -10.12% | 5.51% | -4.93% | -12.09% | -15.96% | -16.82% | -11.88% | -9.20% | +289 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.99% | 3.66% | 0.00% | 0.00% | 0.00% | 0.00% | 0.27% | 0.22% | +22 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 | 1.08% | 1.65% | 0.59% | 0.75% | 0.45% | 0.58% | 0.79% | 0.90% | +15 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.25% | 9.88% | 10.71% | 12.91% | 12.41% | 12.35% | 12.61% | 14.78% | +188 bps | |
| Net Worth / Assets | 10.25% | 9.88% | 10.71% | 12.91% | 12.41% | 12.35% | 12.61% | 14.78% | +188 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 45.33% | 41.01% | 35.69% | 41.94% | 41.87% | 39.39% | 35.46% | 45.79% | +386 bps | |
| Liquid Assets / Assets | 54.52% | 62.25% | 39.16% | 61.79% | 61.23% | 63.50% | 67.52% | 59.15% | -265 bps | |