Torrance, CA · Charter 18121
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.
Torrance, CA · Charter 18121
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 | -0.33% | -0.37% | -0.59% | -0.22% | -1.76% | 0.61% | 0.47% | -0.02% | +20 bps | |
| Return on Equity | -3.44% | -3.81% | -6.49% | -2.98% | -24.18% | 8.53% | 5.97% | -0.28% | +270 bps | |
| Net Interest Margin | 3.79% | 3.72% | 3.26% | 3.23% | 3.16% | 3.00% | 3.34% | 3.39% | +16 bps | |
| Efficiency Ratio | 107.24% | 108.31% | 123.88% | 119.43% | 167.06% | 82.73% | 87.97% | 100.55% | -1,888 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.27% | 5.45% | 7.25% | 0.19% | 3.22% | 9.76% | 0.14% | 0.85% | +65 bps | |
| Loan Growth (YoY) | 7.69% | 11.02% | 7.81% | 4.53% | -11.01% | -22.55% | -22.39% | -27.30% | -3,183 bps | |
| Share Growth (YoY) | 1.46% | 6.98% | 9.13% | 2.77% | 6.10% | 12.41% | 2.01% | 1.16% | -161 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.64% | 4.04% | 1.73% | 1.25% | 2.01% | 2.29% | 2.33% | 1.19% | -6 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 | 6.31% | 5.50% | 3.78% | 3.13% | 2.36% | 2.70% | 2.93% | 1.81% | -132 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.53% | 9.61% | 9.11% | 7.31% | 7.29% | 7.21% | 7.80% | 7.57% | +26 bps | |
| Net Worth / Assets | 9.53% | 9.61% | 9.11% | 7.31% | 7.29% | 7.21% | 7.80% | 7.57% | +26 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.95% | 73.60% | 66.06% | 71.30% | 56.15% | 50.71% | 50.26% | 51.24% | -2,006 bps | |
| Liquid Assets / Assets | 31.90% | 33.49% | 22.35% | 28.56% | 44.03% | 9.42% | 8.91% | 18.99% | -957 bps | |