Martinez, CA · Charter 64903
Q3 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2004, the quarter ended September 30, 2004, 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.
Martinez, CA · Charter 64903
Q3 2004
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 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.25% | 0.00% | 0.01% | 0.01% | 0.05% | -1.26% | -0.34% | -0.02% | -3 bps | |
| Return on Equity | 1.68% | 0.01% | 0.10% | 0.08% | 0.34% | -8.66% | -2.28% | -0.14% | -22 bps | |
| Net Interest Margin | 4.53% | 4.92% | 3.53% | 4.68% | 4.31% | 3.97% | 3.72% | 3.84% | -84 bps | |
| Efficiency Ratio | 85.79% | 88.67% | 91.26% | 93.20% | 93.37% | 101.51% | 95.05% | 93.63% | +43 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.58% | 7.78% | 35.28% | 0.77% | 6.20% | -1.60% | -29.54% | -4.83% | -560 bps | |
| Loan Growth (YoY) | 13.80% | 5.36% | -7.02% | -21.10% | -26.10% | -30.69% | -19.68% | -0.77% | +2,033 bps | |
| Share Growth (YoY) | 13.89% | 8.90% | 41.43% | 0.87% | 7.38% | -1.66% | -33.10% | -5.67% | -654 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 6.04% | 8.71% | 5.82% | 8.49% | 8.03% | 9.81% | 7.67% | 6.16% | -233 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 | 0.96% | 1.38% | 1.58% | 1.12% | 0.89% | 1.73% | 1.63% | 1.49% | +37 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.92% | 14.63% | 10.74% | 14.60% | 14.10% | 14.60% | 15.12% | 15.37% | +77 bps | |
| Net Worth / Assets | 14.92% | 14.63% | 10.74% | 14.60% | 14.10% | 14.60% | 15.12% | 15.37% | +77 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 68.77% | 64.97% | 44.83% | 56.29% | 47.33% | 45.79% | 53.82% | 59.21% | +292 bps | |
| Liquid Assets / Assets | 37.70% | 40.77% | 57.71% | 48.57% | 36.98% | 37.58% | 30.58% | 25.61% | -2,296 bps | |