Hollywood, CA · Charter 64409
Q2 2005
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 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.32% | 0.41% | 0.89% | 0.76% | 0.60% | 0.78% | -1.07% | -1.05% | -181 bps | |
| Return on Equity | 2.64% | 3.37% | 6.89% | 5.71% | 4.27% | 5.12% | -6.35% | -6.48% | -1,219 bps | |
| Net Interest Margin | 2.81% | 2.75% | 2.50% | 2.81% | 2.82% | 3.11% | 3.03% | 2.56% | -25 bps | |
| Efficiency Ratio | 84.99% | 81.06% | 63.04% | 71.81% | 77.44% | 74.20% | 70.58% | 81.34% | +953 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.11% | 12.08% | 5.97% | -3.65% | -9.04% | -14.86% | -21.83% | -18.60% | -1,495 bps | |
| Loan Growth (YoY) | -16.08% | -5.59% | 0.06% | 2.16% | -2.68% | -12.09% | -19.77% | -21.67% | -2,383 bps | |
| Share Growth (YoY) | 17.42% | 13.40% | 6.30% | -4.85% | -10.95% | -17.68% | -25.33% | -21.31% | -1,645 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.70% | 0.53% | 1.35% | 4.22% | 4.76% | 5.04% | 4.98% | 8.70% | +448 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 | 1.20% | 1.33% | 1.17% | 1.34% | 1.32% | 0.98% | 0.81% | 1.24% | -10 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.12% | 12.31% | 12.94% | 13.34% | 13.96% | 15.21% | 16.84% | 16.22% | +288 bps | |
| Net Worth / Assets | 12.12% | 12.31% | 12.94% | 13.34% | 13.96% | 15.21% | 16.84% | 16.22% | +288 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 25.69% | 26.90% | 28.03% | 28.05% | 28.07% | 28.72% | 30.12% | 27.92% | -13 bps | |
| Liquid Assets / Assets | 23.69% | 22.12% | 29.86% | 36.57% | 49.26% | 47.08% | 35.82% | 50.67% | +1,410 bps | |