Long Beach, CA · Charter 65679
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.
Long Beach, CA · Charter 65679
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 | 5.63% | 5.44% | 0.46% | 0.44% | 0.48% | 0.22% | 0.36% | 0.30% | -13 bps | |
| Return on Equity | 22.65% | 20.09% | 2.06% | 1.88% | 1.91% | 0.78% | 1.26% | 1.05% | -83 bps | |
| Net Interest Margin | 6.21% | 6.27% | 0.92% | 0.92% | 1.22% | 1.64% | 1.96% | 1.87% | +95 bps | |
| Efficiency Ratio | 9.47% | 13.31% | 49.69% | 52.30% | 60.85% | 86.66% | 81.49% | 83.77% | +3,147 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -30.61% | -31.25% | -21.64% | -19.29% | -19.33% | -22.56% | -21.73% | -18.80% | +49 bps | |
| Loan Growth (YoY) | -15.11% | -40.13% | -44.45% | -49.07% | -49.15% | -43.47% | -63.67% | -72.04% | -2,297 bps | |
| Share Growth (YoY) | -38.15% | -39.11% | -21.47% | -18.51% | -19.88% | -25.73% | -31.07% | -27.89% | -938 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 58.50% | 51.89% | 41.46% | 43.10% | 53.09% | 58.95% | 65.57% | 51.35% | +824 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 | 6.10% | 7.63% | 23.40% | 26.09% | 30.11% | 33.85% | 60.43% | 69.47% | +4,337 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 24.83% | 27.06% | 22.45% | 23.27% | 25.11% | 28.27% | 28.81% | 28.85% | +558 bps | |
| Net Worth / Assets | 24.83% | 27.06% | 22.45% | 23.27% | 25.11% | 28.27% | 28.81% | 28.85% | +558 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.11% | 63.49% | 49.70% | 46.46% | 45.77% | 48.32% | 26.20% | 18.01% | -2,844 bps | |
| Liquid Assets / Assets | 50.05% | 57.51% | 70.14% | 73.24% | 75.48% | 76.96% | 91.81% | 94.33% | +2,109 bps | |