Buena Park, CA · Charter 14284
Q2 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2004, the quarter ended June 30, 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.
Buena Park, CA · Charter 14284
Q2 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 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.17% | 0.94% | -1.53% | -6.34% | -0.56% | -0.64% | -1.87% | -0.58% | +576 bps | |
| Return on Equity | 13.64% | 10.49% | -17.73% | -114.93% | -6.85% | -8.32% | -26.01% | -7.66% | +10,726 bps | |
| Net Interest Margin | 3.37% | 3.47% | 3.20% | 3.03% | 2.74% | 2.68% | 1.38% | 1.52% | -152 bps | |
| Efficiency Ratio | 65.74% | 72.18% | 140.20% | 296% | 114.39% | 124.18% | 223% | 69.59% | -22,630 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 20.72% | 8.03% | 7.84% | 4.10% | -0.32% | 7.59% | 8.58% | 1.78% | -232 bps | |
| Loan Growth (YoY) | 0.15% | -9.91% | -11.53% | -0.27% | -3.11% | -9.77% | -9.72% | -17.77% | -1,750 bps | |
| Share Growth (YoY) | 20.46% | 7.46% | 8.20% | 7.92% | 0.09% | 9.18% | 10.62% | -2.51% | -1,043 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.80% | 6.90% | 5.74% | 4.86% | 5.91% | 3.73% | 4.07% | 4.93% | +8 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 | 1.56% | 1.48% | 1.60% | 1.65% | 1.17% | 0.40% | 0.44% | 0.00% | -165 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.60% | 8.97% | 8.64% | 5.52% | 8.23% | 7.70% | 7.20% | 7.59% | +207 bps | |
| Net Worth / Assets | 8.60% | 8.97% | 8.64% | 5.52% | 8.23% | 7.70% | 7.20% | 7.59% | +207 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 44.06% | 47.04% | 46.75% | 44.28% | 42.65% | 38.88% | 38.15% | 37.35% | -693 bps | |
| Liquid Assets / Assets | 53.85% | 50.19% | 48.26% | 51.01% | 51.33% | 55.25% | 55.95% | 54.22% | +321 bps | |