Long Beach, CA · Cert 35404
FDIC
Q3 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2002, the quarter ended September 30, 2002, 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.
Long Beach, CA · Cert 35404
FDIC
Q3 2002
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 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.00% | 0.00% | 0.00% | 0.57% | -4.53% | 0.55% | -2.86% | -1.56% | -213 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 0.79% | -4.12% | -2.21% | n/a | |
| Net Interest Margin | n/a | 0.00% | 0.00% | 5.07% | 4.06% | 1.38% | 1.37% | 0.96% | -411 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 97.80% | 116.31% | 98.43% | 109.30% | 106.16% | +836 bps | |
| Non-Interest Burden | n/a | 0.00% | 0.00% | 4.19% | 11.03% | 0.42% | 5.95% | 3.56% | -64 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -20.22% | -12.13% | -6.57% | -2.56% | 30.38% | 45.36% | 41.98% | 32.54% | +3,510 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| 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 | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| 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 | n/a | 385% | 388% | 406% | 187.81% | 169.29% | 159.87% | 74.78% | -33,105 bps | |
| Equity / Assets | n/a | 95.20% | 94.79% | 95.31% | 71.24% | 68.86% | 68.65% | 73.89% | -2,141 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquid Assets / Assets | 0.00% | 33.11% | 31.89% | 23.43% | 18.44% | 4.37% | 0.00% | 0.00% | -2,343 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |