Long Beach, CA · Charter 97065
Q3 2003
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 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.52% | 0.29% | -0.81% | -0.50% | -0.30% | 0.57% | 0.30% | 0.21% | +70 bps | |
| Return on Equity | 5.32% | 3.12% | -9.27% | -5.59% | -3.23% | 6.13% | 3.14% | 2.15% | +774 bps | |
| Net Interest Margin | 4.72% | 4.63% | 4.70% | 4.73% | 4.89% | 4.59% | 4.60% | 4.33% | -40 bps | |
| Efficiency Ratio | 85.43% | 82.14% | 73.25% | 71.32% | 70.23% | 72.27% | 72.78% | 75.11% | +379 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.43% | 18.74% | 16.50% | 10.10% | 1.99% | -1.00% | -6.28% | -5.34% | -1,544 bps | |
| Loan Growth (YoY) | 29.05% | 20.57% | 11.33% | -3.86% | -14.18% | -21.29% | -27.91% | -37.63% | -3,376 bps | |
| Share Growth (YoY) | 15.27% | 19.01% | 17.91% | 11.24% | 2.47% | -0.80% | -7.12% | -6.11% | -1,735 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.06% | 3.15% | 2.45% | 2.52% | 2.77% | 3.17% | 2.76% | 2.21% | -31 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 | 1.89% | 1.84% | 2.34% | 2.18% | 2.29% | 2.32% | 2.55% | 2.45% | +27 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.69% | 9.41% | 8.79% | 8.88% | 9.25% | 9.35% | 9.65% | 9.62% | +74 bps | |
| Net Worth / Assets | 9.69% | 9.41% | 8.79% | 8.88% | 9.25% | 9.35% | 9.65% | 9.62% | +74 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 99.91% | 96.16% | 87.28% | 83.47% | 83.67% | 76.30% | 67.74% | 55.46% | -2,802 bps | |
| Liquid Assets / Assets | 5.71% | 7.36% | 9.66% | 9.84% | 9.03% | 17.12% | 20.37% | 31.39% | +2,154 bps | |