Downey, CA · Charter 3532
Q4 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2005, the quarter ended December 31, 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.
Downey, CA · Charter 3532
Q4 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 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.32% | 1.26% | 1.15% | -5.61% | 1.08% | 1.39% | 0.99% | 0.66% | +627 bps | |
| Return on Equity | 15.92% | 14.75% | 13.48% | -204% | 34.10% | 35.10% | 24.31% | 13.59% | +21,721 bps | |
| Net Interest Margin | 4.05% | 4.06% | 3.98% | 4.08% | 4.93% | 5.34% | 4.72% | 5.32% | +124 bps | |
| Efficiency Ratio | 68.02% | 68.55% | 70.04% | 789% | 52.53% | 59.57% | 67.89% | 75.42% | -71,336 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 24.14% | 14.96% | 11.76% | -4.87% | -9.36% | -20.03% | -23.51% | -34.11% | -2,923 bps | |
| Loan Growth (YoY) | 3.44% | -0.91% | -5.03% | -10.15% | -10.41% | -9.36% | -23.75% | -26.47% | -1,632 bps | |
| Share Growth (YoY) | 26.50% | 14.75% | 11.71% | -0.22% | -6.41% | -15.92% | -20.27% | -35.04% | -3,482 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.86% | 0.78% | 1.56% | 1.54% | 1.23% | 1.12% | 14.94% | 21.55% | +2,002 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 | 0.97% | 1.13% | 1.01% | 1.25% | 1.15% | 1.34% | 1.66% | 1.99% | +74 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.31% | 8.54% | 8.54% | 2.75% | 3.17% | 3.95% | 4.06% | 4.84% | +208 bps | |
| Net Worth / Assets | 8.31% | 8.54% | 8.54% | 2.75% | 3.17% | 3.95% | 4.06% | 4.84% | +208 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.36% | 74.06% | 74.74% | 71.78% | 74.06% | 79.84% | 71.47% | 81.25% | +947 bps | |
| Liquid Assets / Assets | 23.47% | 26.34% | 26.69% | 23.18% | 22.72% | 20.65% | 22.76% | 6.50% | -1,668 bps | |