Burbank, CA · Charter 97070
Q3 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2005, the quarter ended September 30, 2005, 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.
Burbank, CA · Charter 97070
Q3 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 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.81% | 0.73% | 0.80% | 0.93% | 0.89% | 0.90% | 0.92% | 0.81% | -11 bps | |
| Return on Equity | 8.09% | 7.47% | 8.27% | 9.36% | 8.81% | 8.78% | 8.41% | 7.30% | -206 bps | |
| Net Interest Margin | 3.16% | 2.96% | 2.92% | 2.94% | 2.97% | 2.95% | 3.06% | 3.03% | +9 bps | |
| Efficiency Ratio | 77.43% | 78.24% | 76.76% | 75.14% | 74.79% | 73.82% | 74.26% | 75.96% | +82 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 16.62% | 20.28% | 14.95% | 9.77% | 8.05% | 4.44% | -2.55% | -3.83% | -1,360 bps | |
| Loan Growth (YoY) | -5.87% | -11.46% | 3.22% | 21.15% | 23.63% | 39.85% | 27.10% | 17.21% | -394 bps | |
| Share Growth (YoY) | 17.53% | 21.49% | 15.65% | 9.79% | 8.05% | 4.03% | -3.42% | -4.81% | -1,460 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.59% | 0.91% | 0.46% | 0.14% | 0.20% | 0.22% | 0.35% | 0.09% | -4 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 | 1.15% | 1.16% | 0.89% | 0.55% | 0.54% | 0.50% | 0.47% | 0.43% | -12 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.95% | 9.76% | 9.72% | 9.89% | 10.10% | 10.28% | 10.94% | 11.13% | +123 bps | |
| Net Worth / Assets | 9.95% | 9.76% | 9.72% | 9.89% | 10.10% | 10.28% | 10.94% | 11.13% | +123 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 48.67% | 44.04% | 48.05% | 53.50% | 55.69% | 59.20% | 63.23% | 65.88% | +1,238 bps | |
| Liquid Assets / Assets | 21.31% | 24.05% | 15.31% | 11.04% | 11.87% | 10.03% | 8.30% | 6.60% | -444 bps | |