Gardena, CA · Charter 21061
Q1 2005
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 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.27% | 0.23% | 0.20% | 0.11% | 0.13% | 0.13% | 0.16% | -2.05% | -216 bps | |
| Return on Equity | 1.29% | 1.13% | 0.99% | 0.57% | 0.70% | 0.63% | 0.77% | -9.47% | -1,003 bps | |
| Net Interest Margin | 7.33% | 6.79% | 6.83% | 6.28% | 6.04% | 7.05% | 7.73% | 7.88% | +160 bps | |
| Efficiency Ratio | 85.52% | 87.63% | 89.27% | 98.27% | 95.74% | 94.11% | 94.93% | 125.19% | +2,693 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.85% | 11.69% | 5.14% | 6.41% | 9.42% | -10.36% | -18.96% | -30.11% | -3,651 bps | |
| Loan Growth (YoY) | 5.83% | -5.30% | -3.18% | -6.86% | -13.85% | -4.28% | -5.19% | -15.90% | -905 bps | |
| Share Growth (YoY) | 11.61% | 16.51% | 7.80% | 10.36% | 12.41% | -11.66% | -18.31% | -31.76% | -4,212 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.54% | 3.28% | 3.63% | 4.84% | 2.81% | 3.24% | 3.67% | 3.20% | -164 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 | 1.65% | 1.32% | 1.47% | 1.45% | 1.53% | 2.65% | 2.92% | 2.40% | +96 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 21.13% | 20.16% | 20.65% | 19.77% | 18.98% | 21.30% | 20.02% | 21.67% | +190 bps | |
| Net Worth / Assets | 21.13% | 20.16% | 20.65% | 19.77% | 18.98% | 21.30% | 20.02% | 21.67% | +190 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 95.93% | 81.82% | 83.39% | 82.26% | 73.52% | 88.65% | 96.78% | 101.38% | +1,912 bps | |
| Liquid Assets / Assets | 22.73% | 33.01% | 31.92% | 23.39% | 29.84% | 28.21% | 21.59% | 7.61% | -1,578 bps | |