Glendale, CA · Charter 4434
Q1 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2003, the quarter ended March 31, 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.
Glendale, CA · Charter 4434
Q1 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 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.91% | -1.49% | -1.51% | -1.76% | -1.22% | -1.74% | -2.98% | -4.19% | -242 bps | |
| Return on Equity | n/a | -5.33% | -5.63% | -7.84% | -5.72% | -8.08% | -13.65% | -20.59% | -1,275 bps | |
| Net Interest Margin | 6.44% | 7.79% | 6.80% | 5.41% | 4.85% | 4.60% | 4.27% | 2.56% | -285 bps | |
| Efficiency Ratio | 93.71% | 91.17% | 104.51% | 114.76% | 119.16% | 130.48% | 152.91% | 285% | +16,974 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -19.22% | -27.99% | -26.88% | -10.00% | -1.99% | 13.36% | 2.97% | -7.44% | +256 bps | |
| Loan Growth (YoY) | 0.92% | 4.50% | 12.21% | -26.53% | -37.83% | -42.70% | -50.95% | -49.98% | -2,345 bps | |
| Share Growth (YoY) | -23.84% | -34.15% | -32.64% | -8.62% | 1.86% | 23.79% | 10.30% | -4.60% | +402 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 7.79% | 11.04% | 8.15% | 9.72% | 6.45% | 9.28% | 9.79% | 13.59% | +387 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 | 2.74% | 2.75% | 2.52% | 3.42% | 3.81% | 4.14% | 5.71% | 6.88% | +346 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | 27.93% | 26.81% | 22.49% | 21.40% | 21.54% | 21.84% | 20.33% | -216 bps | |
| Net Worth / Assets | n/a | 27.93% | 26.81% | 22.49% | 21.40% | 21.54% | 21.84% | 20.33% | -216 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.38% | 101.08% | 96.75% | 65.36% | 49.06% | 46.79% | 43.02% | 34.27% | -3,110 bps | |
| Liquid Assets / Assets | 10.87% | 26.90% | 29.61% | 49.79% | 61.24% | 63.01% | 66.16% | 72.51% | +2,272 bps | |