South Gate, CA · Charter 11812
Q2 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2001, the quarter ended June 30, 2001, 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.
South Gate, CA · Charter 11812
Q2 2001
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 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.02% | 4.20% | 4.32% | 3.87% | 1.35% | 1.64% | 1.71% | 0.97% | -291 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | 34.59% | 17.55% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | n/a | 4.63% | 4.74% | 4.89% | 4.20% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 69.83% | 64.40% | 64.17% | 78.81% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -15.85% | -11.22% | -11.95% | -12.60% | -11.84% | -6.01% | -5.42% | -3.53% | +907 bps | |
| Loan Growth (YoY) | 3.57% | -7.39% | -12.72% | -23.19% | -20.15% | -14.91% | -12.61% | -18.48% | +471 bps | |
| Share Growth (YoY) | -12.05% | -9.48% | -11.12% | -12.34% | -14.21% | -8.72% | -8.46% | -6.68% | +566 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.42% | 1.80% | 0.19% | 0.17% | 0.12% | 0.21% | 0.28% | 0.44% | +27 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 | 2.68% | 2.49% | 2.75% | 3.19% | 1.71% | 1.66% | 1.60% | 1.73% | -146 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | 4.94% | 5.51% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | 4.94% | 5.51% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 71.10% | 66.45% | 65.12% | 64.24% | 66.18% | 61.94% | 62.16% | 56.11% | -812 bps | |
| Liquid Assets / Assets | 22.47% | 30.37% | 33.12% | 29.97% | 27.26% | 30.09% | 32.39% | 145.57% | +11,560 bps | |