Los Angeles, CA · Charter 5946
Q3 2003
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Los Angeles, CA · Charter 5946
Q3 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 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.28% | 0.33% | 0.44% | 0.45% | 0.55% | -3.73% | -1.53% | -0.21% | -65 bps | |
| Return on Equity | 1.58% | 1.76% | 2.19% | 2.10% | 2.67% | -16.32% | -5.82% | -0.82% | -291 bps | |
| Net Interest Margin | 3.97% | 3.79% | 2.81% | 2.93% | 2.81% | 2.76% | 3.43% | 3.53% | +60 bps | |
| Efficiency Ratio | 93.17% | 91.56% | 84.46% | 84.82% | 80.40% | 235% | 144.48% | 105.89% | +2,107 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 19.20% | 18.63% | 3.56% | -8.92% | -9.04% | -19.75% | -24.81% | -16.45% | -753 bps | |
| Loan Growth (YoY) | 38.22% | -8.41% | 17.51% | -26.79% | -19.84% | -9.04% | -25.98% | -23.15% | +364 bps | |
| Share Growth (YoY) | 24.28% | 24.27% | 4.81% | -10.17% | -11.81% | -22.35% | -30.07% | -20.05% | -988 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 6.66% | 3.67% | 0.00% | 0.00% | 14.77% | 0.00% | 0.00% | 0 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 | 10.12% | 12.37% | 9.00% | 12.15% | 12.62% | 13.60% | 12.15% | 15.80% | +366 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.89% | 18.57% | 19.95% | 21.22% | 20.65% | 22.85% | 26.21% | 25.53% | +431 bps | |
| Net Worth / Assets | 17.89% | 18.57% | 19.95% | 21.22% | 20.65% | 22.85% | 26.21% | 25.53% | +431 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 26.48% | 22.29% | 32.73% | 26.11% | 24.07% | 26.11% | 34.65% | 25.10% | -101 bps | |
| Liquid Assets / Assets | 79.46% | 83.04% | 75.07% | 80.80% | 81.44% | 79.46% | 75.13% | 82.02% | +122 bps | |