PackageTrendsPeer
Letter portraitLegal landscape

L.A.B.A.I.

Los Angeles, CA · Charter 5946

Q3 2003

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2003, the quarter ended September 30, 2003, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

L.A.B.A.I.

Los Angeles, CA · Charter 5946

Q3 2003

$213KAssets
$40KLoans
$159KShares
$54KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -0.21%, down 65 bps year over year; NIM at 3.53%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 25.53%, up 431 bps from a year ago.
  • Funding: loans stand at 25.10% of shares as of Q3 2003.

Financial Results

Return on Assets (YTD, annualized)

-0.21%-65 bps YoY

Net Interest Margin (YTD, annualized)

3.53%+60 bps YoY

Efficiency Ratio (YTD, annualized)

105.89%+2,107 bps YoY

Net Worth / Assets

25.53%+431 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2002Q4 2002Q1 2003Q2 2003Q3 2003YoY ΔTrend
Earnings
Return on Assets0.45%0.55%-3.73%-1.53%-0.21%-65 bps
Return on Equity2.10%2.67%-16.32%-5.82%-0.82%-291 bps
Net Interest Margin2.93%2.81%2.76%3.43%3.53%+60 bps
Efficiency Ratio84.82%80.40%235%144.48%105.89%+2,107 bps
Growth
Asset Growth (YoY)-8.92%-9.04%-19.75%-24.81%-16.45%-753 bps
Loan Growth (YoY)-26.79%-19.84%-9.04%-25.98%-23.15%+364 bps
Share Growth (YoY)-10.17%-11.81%-22.35%-30.07%-20.05%-988 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%14.77%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans12.15%12.62%13.60%12.15%15.80%+366 bps
Capital
Risk-Based Capital21.22%20.65%22.85%26.21%25.53%+431 bps
Net Worth / Assets21.22%20.65%22.85%26.21%25.53%+431 bps
Liquidity & Funding
Loans / Shares26.11%24.07%26.11%34.65%25.10%-101 bps
Liquid Assets / Assets80.80%81.44%79.46%75.13%82.02%+122 bps