El Segundo, CA · Charter 15318
Q4 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 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.50% | 0.79% | 0.92% | 0.79% | -0.29% | -0.60% | -0.64% | -0.79% | -158 bps | |
| Return on Equity | -6.17% | 8.10% | 9.24% | 6.79% | -2.53% | -5.65% | -6.06% | -6.52% | -1,331 bps | |
| Net Interest Margin | 4.72% | 5.53% | 5.76% | 6.70% | 5.87% | 5.14% | 5.21% | 5.72% | -98 bps | |
| Efficiency Ratio | 94.48% | 81.41% | 79.88% | 83.40% | 97.09% | 103.50% | 104.77% | 107.32% | +2,392 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.23% | -15.13% | -18.05% | -35.41% | -25.36% | -8.24% | -10.62% | -9.02% | +2,639 bps | |
| Loan Growth (YoY) | -18.97% | -20.66% | -27.69% | -28.59% | -11.10% | -20.61% | -20.44% | -22.80% | +580 bps | |
| Share Growth (YoY) | 1.41% | -16.91% | -13.89% | -38.31% | -27.87% | -8.67% | -11.10% | -9.46% | +2,886 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.71% | 4.44% | 5.17% | 3.50% | 4.42% | 3.53% | 3.47% | 7.07% | +357 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 | 0.69% | 0.98% | 1.16% | 1.42% | 1.40% | 1.14% | 1.18% | 1.33% | -9 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.06% | 9.72% | 9.96% | 11.71% | 11.51% | 10.60% | 10.64% | 12.08% | +37 bps | |
| Net Worth / Assets | 8.06% | 9.72% | 9.96% | 11.71% | 11.51% | 10.60% | 10.64% | 12.08% | +37 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 76.23% | 92.57% | 89.24% | 97.66% | 93.95% | 80.47% | 79.86% | 83.28% | -1,439 bps | |
| Liquid Assets / Assets | 28.69% | 15.61% | 17.82% | 12.60% | 11.49% | 27.28% | 26.74% | 24.55% | +1,196 bps | |