Burbank, CA · Charter 68435
Q4 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2002, the quarter ended December 31, 2002, 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.
Burbank, CA · Charter 68435
Q4 2002
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.66% | 0.58% | 0.35% | 0.42% | 0.61% | -5 bps | |
| Return on Equity | 4.64% | 4.05% | 2.63% | 3.21% | 4.37% | -27 bps | |
| Net Interest Margin | 4.06% | 3.96% | 3.55% | 3.64% | 3.84% | -22 bps | |
| Efficiency Ratio | 84.39% | 85.56% | 85.19% | 83.46% | 79.91% | -448 bps | |
| Growth | |||||||
| Asset Growth (YoY) | n/a | n/a | 27.80% | 31.35% | 8.53% | n/a | |
| Loan Growth (YoY) | n/a | n/a | -11.86% | -12.40% | -27.58% | n/a | |
| Share Growth (YoY) | n/a | n/a | 31.12% | 36.07% | 9.06% | n/a | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.49% | 1.11% | 0.70% | 0.53% | 1.17% | +68 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.66% | 0.82% | 0.87% | 1.01% | 1.28% | +61 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.24% | 14.37% | 13.13% | 13.16% | 13.96% | -27 bps | |
| Net Worth / Assets | 14.24% | 14.37% | 13.13% | 13.16% | 13.96% | -27 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 51.43% | 47.88% | 39.44% | 38.77% | 34.15% | -1,728 bps | |
| Liquid Assets / Assets | 27.57% | 15.55% | 10.06% | 15.47% | 8.61% | -1,897 bps | |