Los Alamitos, CA · Charter 7221
Q1 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2004, the quarter ended March 31, 2004, 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 Alamitos, CA · Charter 7221
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 | 0.18% | 0.57% | 0.57% | -0.60% | -1.97% | 0.06% | -0.97% | -0.55% | +5 bps | |
| Return on Equity | 1.88% | 5.83% | 5.53% | -5.97% | -21.75% | 0.73% | -9.83% | -5.62% | +35 bps | |
| Net Interest Margin | 2.98% | 3.20% | 3.42% | 3.91% | 3.78% | 1.13% | 3.84% | 3.35% | -55 bps | |
| Efficiency Ratio | 83.31% | 83.82% | 84.94% | 78.50% | 88.85% | 85.20% | 89.33% | 115.61% | +3,710 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 28.88% | 34.33% | 7.44% | 4.79% | -1.70% | 4.05% | -5.19% | -5.94% | -1,073 bps | |
| Loan Growth (YoY) | -16.28% | -32.62% | -13.04% | -15.61% | -15.91% | -19.01% | -28.04% | -25.44% | -983 bps | |
| Share Growth (YoY) | 30.49% | 37.25% | 7.21% | 4.85% | -1.33% | 5.47% | -4.69% | -5.56% | -1,041 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.93% | 5.02% | 5.08% | 7.29% | 3.26% | 4.36% | 4.13% | 3.00% | -429 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 | 2.03% | 1.75% | 1.24% | 1.00% | 2.11% | 1.24% | 0.00% | 0.00% | -100 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.43% | 9.83% | 10.29% | 10.09% | 9.07% | 8.67% | 9.89% | 9.77% | -31 bps | |
| Net Worth / Assets | 9.43% | 9.83% | 10.29% | 10.09% | 9.07% | 8.67% | 9.89% | 9.77% | -31 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 48.53% | 46.69% | 51.49% | 46.32% | 41.35% | 35.86% | 38.88% | 36.57% | -975 bps | |
| Liquid Assets / Assets | 54.93% | 52.96% | 52.68% | 56.38% | 59.86% | 64.68% | 62.09% | 64.00% | +762 bps | |