San Francisco, CA · Charter 65419
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.
San Francisco, CA · Charter 65419
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 | -2.37% | -0.28% | -4.04% | -8.41% | -4.78% | 1.10% | 0.00% | 0.51% | +893 bps | |
| Return on Equity | -12.60% | -1.48% | -20.62% | -51.52% | -26.88% | 6.05% | 0.01% | 2.53% | +5,405 bps | |
| Net Interest Margin | 2.51% | 2.04% | 1.88% | 2.29% | 2.79% | 3.95% | 4.02% | 3.95% | +167 bps | |
| Efficiency Ratio | 116.45% | 150.60% | 135.29% | 122.02% | 72.56% | 68.07% | 84.10% | 85.92% | -3,610 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.78% | 2.82% | -12.88% | -17.70% | -12.82% | -15.26% | -12.21% | -10.01% | +769 bps | |
| Loan Growth (YoY) | -36.43% | -47.88% | -46.10% | -41.63% | -39.52% | -18.86% | -40.20% | -56.76% | -1,513 bps | |
| Share Growth (YoY) | -7.07% | -2.24% | -12.41% | -14.17% | -9.09% | -10.23% | -11.09% | -12.34% | +183 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 33.73% | 33.77% | 35.33% | 30.45% | 31.87% | 41.33% | 2.10% | 0.00% | -3,045 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 | 7.66% | 4.32% | 11.85% | 24.36% | 25.50% | 27.86% | 1.69% | 0.00% | -2,436 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 18.77% | 19.20% | 19.60% | 16.33% | 17.78% | 18.13% | 19.41% | 20.22% | +389 bps | |
| Net Worth / Assets | 18.77% | 19.20% | 19.60% | 16.33% | 17.78% | 18.13% | 19.41% | 20.22% | +389 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 49.58% | 34.05% | 31.55% | 36.26% | 32.98% | 30.77% | 21.22% | 17.89% | -1,838 bps | |
| Liquid Assets / Assets | 61.92% | 72.99% | 76.59% | 74.75% | 77.09% | 79.28% | 79.57% | 80.89% | +614 bps | |