Garden Grove, CA · Charter 8612
Q3 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2004, the quarter ended September 30, 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.
Garden Grove, CA · Charter 8612
Q3 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 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.51% | 0.76% | -0.33% | -0.58% | -1.77% | -3.68% | -1.42% | -0.04% | +54 bps | |
| Return on Equity | 6.29% | 8.92% | -4.12% | -7.80% | -26.71% | -58.11% | -20.48% | -0.49% | +732 bps | |
| Net Interest Margin | 2.85% | 3.42% | 3.22% | 2.95% | 3.12% | 3.44% | 3.32% | 3.56% | +61 bps | |
| Efficiency Ratio | 83.93% | 80.78% | 129.49% | 130.83% | 136.71% | 200% | 127.02% | 92.52% | -3,831 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 45.26% | 21.95% | 5.29% | 3.59% | -3.64% | -9.88% | -12.10% | -22.99% | -2,657 bps | |
| Loan Growth (YoY) | -6.66% | -12.77% | -18.34% | -22.32% | -18.20% | -13.31% | -13.48% | -11.54% | +1,078 bps | |
| Share Growth (YoY) | 51.36% | 24.42% | 5.90% | 3.39% | -2.81% | -8.14% | -10.68% | -22.48% | -2,587 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.21% | 4.53% | 5.10% | 7.68% | 1.11% | 0.08% | 0.11% | 1.41% | -627 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 | 0.61% | 0.62% | 0.35% | 0.36% | 0.96% | 1.18% | 1.12% | 1.18% | +82 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.10% | 8.47% | 7.97% | 7.38% | 6.63% | 6.33% | 6.94% | 7.97% | +60 bps | |
| Net Worth / Assets | 8.10% | 8.47% | 7.97% | 7.38% | 6.63% | 6.33% | 6.94% | 7.97% | +60 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 56.45% | 53.54% | 47.55% | 42.54% | 47.52% | 50.53% | 46.06% | 48.54% | +600 bps | |
| Liquid Assets / Assets | 18.65% | 49.27% | 29.51% | 20.84% | 27.70% | 26.71% | 30.22% | 17.19% | -365 bps | |