Huntington Beach, CA · Cert 34817
FDIC
Q3 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2005, the quarter ended September 30, 2005, 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.
Huntington Beach, CA · Cert 34817
FDIC
Q3 2005
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.13% | 1.70% | 1.56% | 1.74% | 1.74% | 2.49% | 2.35% | 2.47% | +73 bps | |
| Return on Equity | 12.36% | 13.40% | 13.07% | 15.07% | 15.09% | 22.23% | 21.05% | 22.29% | +722 bps | |
| Net Interest Margin | 3.54% | 4.22% | 4.23% | 4.15% | 4.01% | 5.29% | 5.16% | 4.94% | +80 bps | |
| Efficiency Ratio | 62.14% | 52.60% | 53.38% | 49.95% | 50.19% | 41.54% | 44.41% | 43.29% | -666 bps | |
| Non-Interest Burden | 1.71% | 1.47% | 1.51% | 1.28% | 1.33% | 0.98% | 1.24% | 1.09% | -19 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 24.83% | 35.67% | 50.37% | 55.50% | 35.11% | 29.92% | 22.25% | 21.43% | -3,407 bps | |
| Loan Growth (YoY) | 13.21% | 25.68% | 39.91% | 55.01% | 58.92% | 52.02% | 42.62% | 30.15% | -2,486 bps | |
| Deposit Growth (YoY) | 17.90% | 29.13% | 45.95% | 50.69% | 37.73% | 29.74% | 21.46% | 20.85% | -2,984 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.17% | -0.06% | -0.04% | -0.02% | -0.02% | 0.00% | 0.00% | 0.00% | +2 bps | |
| Allowance / Loans | 1.22% | 1.19% | 1.20% | 1.14% | 1.22% | 1.24% | 1.22% | 1.26% | +13 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 17.89% | 16.56% | 14.71% | 14.44% | 14.61% | 14.38% | 13.61% | 13.84% | -60 bps | |
| Equity / Assets | 13.05% | 12.29% | 10.78% | 10.67% | 11.33% | 11.11% | 11.06% | 10.87% | +20 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.44% | 75.84% | 76.85% | 77.24% | 88.20% | 88.87% | 90.24% | 83.18% | +594 bps | |
| Liquid Assets / Assets | 0.10% | 0.09% | 0.00% | 0.00% | 0.07% | 0.07% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |