Pleasanton, CA · Charter 1327
Q3 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2002, the quarter ended September 30, 2002, 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.
Pleasanton, CA · Charter 1327
Q3 2002
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 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.95% | 1.59% | 1.19% | 0.96% | 0.85% | 0.67% | 0.83% | 0.77% | -19 bps | |
| Return on Equity | 14.11% | 23.06% | 16.98% | 13.81% | 11.79% | 9.51% | 11.45% | 10.64% | -317 bps | |
| Net Interest Margin | 4.74% | 4.59% | 4.48% | 4.28% | 4.33% | 4.26% | 4.30% | 4.15% | -13 bps | |
| Efficiency Ratio | 78.63% | 73.76% | 77.37% | 80.80% | 82.27% | 86.77% | 80.65% | 80.97% | +16 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.94% | 7.09% | 6.78% | 7.34% | 5.28% | 6.08% | 7.02% | 6.55% | -79 bps | |
| Loan Growth (YoY) | 5.96% | 3.39% | 0.01% | -3.57% | -4.40% | -0.72% | 0.75% | 4.36% | +793 bps | |
| Share Growth (YoY) | -0.27% | 6.08% | 8.75% | 6.54% | 4.32% | 5.62% | 6.67% | 6.32% | -23 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.27% | 0.28% | 0.26% | 0.32% | 0.28% | 0.36% | 0.34% | 0.44% | +11 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 | 0.98% | 0.90% | 0.87% | 0.82% | 0.80% | 0.69% | 0.70% | 0.70% | -12 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.70% | 6.88% | 7.02% | 6.98% | 7.22% | 7.10% | 7.22% | 7.23% | +25 bps | |
| Net Worth / Assets | 6.70% | 6.88% | 7.02% | 6.98% | 7.22% | 7.10% | 7.22% | 7.23% | +25 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 87.13% | 82.30% | 82.96% | 78.25% | 79.85% | 77.37% | 78.36% | 76.81% | -144 bps | |
| Liquid Assets / Assets | 7.96% | 12.45% | 110.65% | 16.25% | 11.89% | 12.27% | 13.09% | 9.56% | -670 bps | |