South Gate, CA · Charter 64560
Q3 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2005, the quarter ended September 30, 2005, 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.
South Gate, CA · Charter 64560
Q3 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 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.45% | 0.51% | 0.43% | 0.38% | 0.36% | 0.06% | 0.21% | 0.08% | -30 bps | |
| Return on Equity | 2.90% | 3.32% | 2.79% | 2.50% | 2.04% | 0.33% | 1.17% | 0.43% | -208 bps | |
| Net Interest Margin | 3.41% | 3.24% | 3.02% | 3.09% | 3.58% | 3.53% | 3.75% | 3.96% | +86 bps | |
| Efficiency Ratio | 85.20% | 100.04% | 94.42% | 93.28% | 93.09% | 95.76% | 93.32% | 97.22% | +393 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.76% | -2.11% | -0.59% | -6.33% | -9.67% | -12.10% | -14.53% | -18.82% | -1,249 bps | |
| Loan Growth (YoY) | -0.31% | 3.57% | 4.19% | 0.73% | -5.61% | -16.66% | -11.65% | -5.37% | -610 bps | |
| Share Growth (YoY) | 1.86% | -2.84% | -1.17% | -7.71% | -11.80% | -14.56% | -17.38% | -22.33% | -1,461 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.89% | 0.00% | 0.03% | 0.79% | 0.32% | 1.07% | 0.00% | 0.36% | -43 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 | 0.63% | 0.33% | 0.34% | 0.34% | 0.46% | 0.49% | 0.47% | 0.50% | +16 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.41% | 15.52% | 15.34% | 15.28% | 17.42% | 17.89% | 18.18% | 18.91% | +363 bps | |
| Net Worth / Assets | 15.41% | 15.52% | 15.34% | 15.28% | 17.42% | 17.89% | 18.18% | 18.91% | +363 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 53.25% | 55.55% | 52.98% | 52.09% | 56.99% | 54.18% | 56.65% | 63.47% | +1,137 bps | |
| Liquid Assets / Assets | 52.72% | 50.73% | 52.95% | 53.65% | 50.52% | 53.04% | 51.68% | 46.56% | -709 bps | |