Long Beach, CA · Charter 6033
Q3 2006
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.29% | 0.60% | 0.59% | 0.55% | 0.69% | 0.08% | 0.39% | 0.63% | +8 bps | |
| Return on Equity | 1.60% | 3.34% | 3.17% | 3.00% | 3.57% | 0.38% | 1.86% | 2.85% | -15 bps | |
| Net Interest Margin | 3.35% | 3.52% | 3.53% | 3.47% | 3.49% | 3.32% | 3.34% | 3.59% | +12 bps | |
| Efficiency Ratio | 84.75% | 83.64% | 83.87% | 84.58% | 83.58% | 82.87% | 87.03% | 82.13% | -245 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.04% | -6.67% | -7.16% | -4.81% | -5.08% | -6.91% | -8.66% | -13.72% | -891 bps | |
| Loan Growth (YoY) | 7.00% | 4.20% | 9.04% | 2.44% | 2.50% | -0.85% | -0.46% | -3.88% | -632 bps | |
| Share Growth (YoY) | -13.81% | -12.50% | -11.45% | -2.28% | -10.56% | -4.32% | -8.82% | -13.81% | -1,153 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.02% | 0.00% | 0.31% | 0.05% | 0.20% | 0.32% | 0.17% | 0.36% | +32 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 | 0.46% | 0.50% | 0.49% | 0.48% | 0.35% | 0.36% | 0.20% | 0.21% | -26 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 18.25% | 18.06% | 18.74% | 18.50% | 19.31% | 19.97% | 21.14% | 22.21% | +371 bps | |
| Net Worth / Assets | 18.25% | 18.06% | 18.74% | 18.50% | 19.31% | 19.97% | 21.14% | 22.21% | +371 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 84.84% | 84.20% | 86.01% | 88.15% | 97.23% | 87.25% | 93.89% | 98.31% | +1,016 bps | |
| Liquid Assets / Assets | 9.30% | 7.99% | 9.50% | 13.77% | 10.66% | 17.33% | 0.00% | 0.00% | -1,377 bps | |