Burbank, CA · Charter 65928
Q1 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 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.48% | 0.03% | 0.11% | 0.46% | 0.76% | 0.54% | 0.29% | -3.17% | -363 bps | |
| Return on Equity | 4.03% | 0.27% | 0.94% | 4.07% | 6.60% | 4.37% | 2.45% | -29.19% | -3,326 bps | |
| Net Interest Margin | 4.50% | 4.57% | 4.39% | 3.69% | 3.91% | 4.14% | 4.02% | 3.48% | -21 bps | |
| Efficiency Ratio | 89.63% | 99.31% | 97.55% | 89.89% | 83.79% | 88.63% | 93.46% | 188.18% | +9,829 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.33% | -1.30% | -8.04% | 16.02% | 6.31% | 1.56% | 0.59% | -1.46% | -1,748 bps | |
| Loan Growth (YoY) | -8.19% | 10.04% | 13.35% | -8.08% | -13.71% | -22.03% | -23.76% | -17.72% | -964 bps | |
| Share Growth (YoY) | 1.29% | -3.14% | -9.84% | 17.45% | 5.98% | -0.59% | 0.79% | -1.11% | -1,857 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.25% | 0.20% | 0.84% | 1.42% | 0.89% | 0.21% | 0.64% | 1.33% | -10 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 | 3.50% | 2.81% | 3.10% | 3.44% | 2.79% | 2.18% | 2.46% | 2.76% | -68 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.92% | 11.94% | 11.70% | 11.31% | 11.51% | 12.30% | 11.93% | 10.85% | -45 bps | |
| Net Worth / Assets | 11.92% | 11.94% | 11.70% | 11.31% | 11.51% | 12.30% | 11.93% | 10.85% | -45 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 51.57% | 66.13% | 57.79% | 45.47% | 41.99% | 51.87% | 43.71% | 37.83% | -764 bps | |
| Liquid Assets / Assets | 25.24% | 10.84% | 22.80% | 58.20% | 13.62% | 2.18% | 10.42% | 16.24% | -4,195 bps | |