Other decliners included IndyMac Bancorp Inc., which fell 7%. The Pasadena, Calif., company, which has $26.5 billion of assets did not report earnings but guided Wall Street lower for the quarter, based on what chief executive Michael Perry described as "deteriorating mortgage industry conditions.'' In a statement to shareholders, he said the company was hurt by higher credit costs and a lower net interest margin and that it had lost money on some securities sales.