Los Angeles, CA · Charter 65668
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.
Los Angeles, CA · Charter 65668
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 | 0.00% | 0.00% | 0.00% | 0.43% | 0.62% | -6.13% | -2.97% | -1.34% | -177 bps | |
| Return on Equity | 0.00% | 0.00% | 0.00% | 4.03% | 5.10% | -56.24% | -32.15% | -13.96% | -1,799 bps | |
| Net Interest Margin | 3.36% | 3.25% | 3.89% | 4.19% | 4.65% | 9.28% | 7.06% | 6.55% | +236 bps | |
| Efficiency Ratio | 100.00% | 100.00% | 100.00% | 89.67% | 86.62% | 166.11% | 142.05% | 120.43% | +3,077 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.77% | -3.26% | -7.60% | -9.91% | -19.67% | -14.94% | -12.29% | -9.37% | +54 bps | |
| Loan Growth (YoY) | -2.79% | 1.00% | -7.29% | -9.85% | -13.10% | -23.48% | -6.39% | -0.67% | +917 bps | |
| Share Growth (YoY) | 3.47% | -2.96% | -7.60% | -10.41% | -21.13% | -13.85% | -11.10% | -7.82% | +259 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 17.22% | 14.15% | 18.60% | 21.00% | 23.69% | 24.86% | 15.06% | 15.77% | -523 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 | 10.26% | 6.23% | 6.93% | 7.69% | 8.74% | 12.05% | 7.40% | 7.40% | -30 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.34% | 10.42% | 10.57% | 10.79% | 12.19% | 10.90% | 9.24% | 9.59% | -120 bps | |
| Net Worth / Assets | 10.34% | 10.42% | 10.57% | 10.79% | 12.19% | 10.90% | 9.24% | 9.59% | -120 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 40.71% | 46.09% | 42.86% | 41.40% | 44.85% | 40.94% | 45.13% | 44.61% | +321 bps | |
| Liquid Assets / Assets | 52.70% | 59.47% | 1.39% | 63.99% | 55.43% | 56.11% | 60.39% | 55.40% | -859 bps | |