El Segundo, CA · Charter 729
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.
El Segundo, CA · Charter 729
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 | 0.23% | 0.38% | 0.47% | 0.69% | 0.67% | 0.43% | 0.26% | 0.48% | -21 bps | |
| Return on Equity | 2.20% | 3.52% | 4.28% | 6.53% | 6.23% | 3.96% | 2.43% | 4.75% | -178 bps | |
| Net Interest Margin | 2.62% | 2.94% | 3.00% | 3.21% | 3.05% | 2.95% | 2.89% | 3.21% | +1 bps | |
| Efficiency Ratio | 84.13% | 78.99% | 77.69% | 74.21% | 75.99% | 79.12% | 82.42% | 73.56% | -65 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.16% | 10.79% | 8.89% | 5.95% | 4.90% | 7.86% | 8.67% | 10.27% | +433 bps | |
| Loan Growth (YoY) | 15.03% | 5.60% | 5.62% | -0.21% | -9.88% | -10.26% | -4.13% | 8.74% | +894 bps | |
| Share Growth (YoY) | 16.74% | 11.82% | 9.04% | 6.04% | 4.44% | 7.56% | 9.08% | 10.62% | +457 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.78% | 0.75% | 0.55% | 0.70% | 0.68% | 0.88% | 1.28% | 0.92% | +21 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 | 0.63% | 0.79% | 0.74% | 0.78% | 0.71% | 0.93% | 0.92% | 0.93% | +15 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.51% | 10.86% | 10.89% | 10.57% | 10.69% | 10.84% | 10.55% | 10.04% | -53 bps | |
| Net Worth / Assets | 10.51% | 10.86% | 10.89% | 10.57% | 10.69% | 10.84% | 10.55% | 10.04% | -53 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 55.06% | 55.00% | 55.73% | 50.83% | 47.51% | 45.89% | 48.98% | 49.97% | -86 bps | |
| Liquid Assets / Assets | 24.54% | 22.32% | 20.98% | 26.29% | 33.24% | 30.04% | 24.03% | 22.13% | -416 bps | |