El Segundo, CA · Charter 7522
Q1 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2005, the quarter ended March 31, 2005, 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 7522
Q1 2005
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 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.56% | 0.21% | 0.56% | 0.54% | 0.50% | 0.45% | 0.55% | 1.40% | +87 bps | |
| Return on Equity | 4.84% | 1.75% | 4.54% | 4.39% | 4.02% | 3.58% | 4.41% | 10.37% | +597 bps | |
| Net Interest Margin | 1.42% | 0.45% | 1.41% | 1.44% | 1.41% | 1.24% | 1.45% | 2.27% | +83 bps | |
| Efficiency Ratio | 60.39% | 63.75% | 63.03% | 62.67% | 64.97% | 66.30% | 63.60% | 38.59% | -2,409 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.90% | 6.39% | 2.51% | -5.80% | -1.63% | 1.09% | 3.70% | -4.11% | +169 bps | |
| Loan Growth (YoY) | -18.89% | -15.21% | -4.97% | -2.27% | -5.06% | -2.76% | 1.01% | -5.04% | -276 bps | |
| Share Growth (YoY) | 15.40% | 6.59% | 2.24% | -7.15% | -2.52% | 0.75% | 3.51% | -5.52% | +163 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.75% | 2.57% | 10.66% | 0.73% | 3.79% | 4.51% | 6.00% | 3.90% | +317 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 | 5.95% | 5.75% | 5.89% | 5.95% | 6.02% | 5.68% | 5.60% | 6.26% | +32 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.59% | 12.16% | 12.35% | 12.25% | 12.36% | 12.48% | 12.52% | 13.55% | +130 bps | |
| Net Worth / Assets | 11.59% | 12.16% | 12.35% | 12.25% | 12.36% | 12.48% | 12.52% | 13.55% | +130 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 21.49% | 23.10% | 22.83% | 21.23% | 20.93% | 22.29% | 22.28% | 21.34% | +11 bps | |
| Liquid Assets / Assets | 81.33% | 80.11% | 55.10% | 50.95% | 81.72% | 80.57% | 80.57% | 81.59% | +3,063 bps | |