Hollywood, CA · Charter 875
Q1 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2003, the quarter ended March 31, 2003, 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.
Hollywood, CA · Charter 875
Q1 2003
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.34% | 1.34% | 1.30% | 1.31% | -1.97% | -330 bps | |
| Return on Equity | 8.70% | 9.03% | 8.79% | 8.70% | -14.05% | -2,276 bps | |
| Net Interest Margin | 4.42% | 4.18% | 4.06% | 3.84% | 3.47% | -95 bps | |
| Efficiency Ratio | 59.41% | 55.94% | 56.49% | 57.55% | 133.66% | +7,426 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 17.07% | 20.96% | 18.32% | 10.94% | 15.41% | -166 bps | |
| Loan Growth (YoY) | 11.55% | 4.17% | -8.91% | -3.98% | -14.24% | -2,579 bps | |
| Share Growth (YoY) | 13.62% | 18.57% | 17.54% | 9.64% | 17.13% | +351 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.19% | 1.24% | 0.99% | 0.94% | 1.79% | -40 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.07% | 1.58% | 1.78% | 1.71% | 1.46% | +39 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.35% | 14.85% | 14.83% | 15.01% | 13.98% | -136 bps | |
| Net Worth / Assets | 15.35% | 14.85% | 14.83% | 15.01% | 13.98% | -136 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 73.97% | 63.64% | 61.14% | 59.67% | 54.16% | -1,981 bps | |
| Liquid Assets / Assets | 31.26% | 31.27% | 22.32% | 21.87% | 34.54% | +328 bps | |