Martinez, CA · Charter 95087
Q2 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2004, the quarter ended June 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.
Martinez, CA · Charter 95087
Q2 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 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.23% | 0.21% | 0.22% | -0.06% | -0.40% | -0.33% | -0.44% | -2.84% | -278 bps | |
| Return on Equity | 2.36% | 2.06% | 2.30% | -0.70% | -4.61% | -3.74% | -5.19% | -35.06% | -3,436 bps | |
| Net Interest Margin | 3.34% | 3.41% | 2.72% | 2.42% | 2.43% | 2.52% | 2.23% | 2.46% | +4 bps | |
| Efficiency Ratio | 81.50% | 82.10% | 92.59% | 98.17% | 99.08% | 98.28% | 117.09% | 133.10% | +3,493 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 25.24% | 2.89% | -1.80% | 9.79% | 9.65% | 9.22% | 7.91% | -7.92% | -1,771 bps | |
| Loan Growth (YoY) | -15.57% | -21.50% | -18.78% | -19.82% | -20.95% | -18.77% | -23.52% | -24.05% | -423 bps | |
| Share Growth (YoY) | 27.20% | 3.25% | -1.61% | 10.88% | 11.06% | 10.53% | 9.28% | -7.01% | -1,789 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.22% | 4.14% | 2.35% | 5.37% | 3.89% | 4.68% | 6.23% | 2.56% | -281 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 | 1.30% | 1.27% | 1.01% | 1.26% | 1.28% | 1.52% | 1.11% | 1.28% | +2 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.75% | 9.99% | 9.73% | 8.92% | 8.63% | 8.82% | 8.54% | 8.11% | -81 bps | |
| Net Worth / Assets | 9.75% | 9.99% | 9.73% | 8.92% | 8.63% | 8.82% | 8.54% | 8.11% | -81 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 55.78% | 52.33% | 49.67% | 42.54% | 39.71% | 38.46% | 34.76% | 34.74% | -779 bps | |
| Liquid Assets / Assets | 44.01% | 47.10% | 46.74% | 37.11% | 37.03% | 34.13% | 64.14% | 29.68% | -743 bps | |