Anaheim, CA · Charter 13639
Q4 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2004, the quarter ended December 31, 2004, 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.
Anaheim, CA · Charter 13639
Q4 2004
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 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.97% | -0.37% | -0.80% | -0.26% | 0.44% | 0.27% | 0.51% | 0.54% | +80 bps | |
| Return on Equity | -4.01% | -1.53% | -3.46% | -1.12% | 1.83% | 1.09% | 2.07% | 1.79% | +290 bps | |
| Net Interest Margin | 5.52% | 5.31% | 5.31% | 5.29% | 5.08% | 5.10% | 4.91% | 5.66% | +37 bps | |
| Efficiency Ratio | 44.41% | 48.27% | 47.27% | 45.25% | 44.71% | 50.82% | 55.32% | 63.23% | +1,798 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.00% | -5.69% | 1.67% | 4.16% | 1.30% | -0.84% | -2.25% | -20.71% | -2,487 bps | |
| Loan Growth (YoY) | 7.63% | -1.31% | -4.50% | -12.50% | -15.37% | -30.93% | -29.19% | -37.46% | -2,496 bps | |
| Share Growth (YoY) | -8.40% | -7.24% | 3.00% | 6.01% | 1.71% | -1.12% | -3.96% | -27.45% | -3,346 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 3.10% | 2.70% | 2.82% | 0.00% | 0.00% | 0.00% | -270 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 | 0.16% | 0.93% | 1.76% | 1.83% | 2.57% | 1.91% | 2.23% | 2.71% | +88 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 24.10% | 24.26% | 23.23% | 23.35% | 23.87% | 24.51% | 24.49% | 29.99% | +664 bps | |
| Net Worth / Assets | 24.10% | 24.26% | 23.23% | 23.35% | 23.87% | 24.51% | 24.49% | 29.99% | +664 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 100.79% | 99.65% | 92.95% | 86.07% | 83.87% | 69.61% | 68.54% | 74.19% | -1,188 bps | |
| Liquid Assets / Assets | 21.72% | 23.29% | 27.99% | 33.37% | 35.80% | 46.19% | 47.27% | 47.82% | +1,445 bps | |