Los Angeles, CA · Charter 7585
Q2 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 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.20% | 2.01% | -2.60% | -1.73% | -2.12% | -2.36% | -4.54% | -2.27% | -54 bps | |
| Return on Equity | -8.99% | 12.53% | -17.65% | -12.17% | -16.01% | -15.66% | -32.55% | -16.28% | -411 bps | |
| Net Interest Margin | 3.95% | 3.61% | 2.26% | 2.58% | 2.75% | 3.28% | 1.59% | 0.79% | -179 bps | |
| Efficiency Ratio | 129.17% | 141.80% | 206% | 161.96% | 171.99% | 167.53% | 367% | 367% | +20,491 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.38% | -0.77% | 4.44% | 7.12% | 8.44% | -8.26% | -11.87% | -13.31% | -2,043 bps | |
| Loan Growth (YoY) | -10.76% | 37.24% | 68.72% | 57.78% | 66.11% | 11.63% | -19.12% | -15.57% | -7,334 bps | |
| Share Growth (YoY) | -3.74% | -3.11% | 3.47% | 6.12% | 8.41% | -7.84% | -11.30% | -13.12% | -1,924 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 24.06% | 3.24% | 2.33% | 2.62% | 14.53% | 9.79% | 19.01% | 19.01% | +1,639 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 | 19.85% | 5.17% | 4.24% | 4.24% | 4.96% | 5.18% | 5.74% | 5.74% | +150 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.31% | 16.01% | 14.72% | 14.25% | 13.23% | 15.09% | 13.94% | 13.94% | -31 bps | |
| Net Worth / Assets | 13.31% | 16.01% | 14.72% | 14.25% | 13.23% | 15.09% | 13.94% | 13.94% | -31 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 36.59% | 53.88% | 65.34% | 61.31% | 56.07% | 65.25% | 59.59% | 59.59% | -172 bps | |
| Liquid Assets / Assets | 71.94% | 54.74% | 44.71% | 44.60% | 48.85% | 42.14% | 46.41% | 46.41% | +180 bps | |