Orange, CA · Charter 14941
Q4 2001
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.18% | 2.52% | 1.52% | -1.52% | 0.79% | 0.68% | 0.20% | 0.31% | +183 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 6.86% | 1.97% | 2.95% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 3.57% | 4.04% | 4.06% | 4.23% | 4.32% | +75 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 133.64% | 85.17% | 85.99% | 92.49% | 90.70% | -4,294 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.79% | -6.51% | -1.44% | -8.24% | 1.62% | 6.31% | -3.04% | 5.16% | +1,340 bps | |
| Loan Growth (YoY) | -13.37% | -19.38% | -26.97% | 22.75% | 69.55% | 91.76% | 110.97% | 19.62% | -312 bps | |
| Share Growth (YoY) | -6.18% | -7.22% | -0.50% | -5.53% | 4.53% | 8.70% | -2.33% | 3.86% | +939 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.50% | 0.38% | 0.09% | 0.18% | 0.00% | 0.11% | 0.19% | 0.44% | +26 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 | 0.50% | 0.66% | 0.73% | 0.53% | 0.24% | 0.17% | 0.26% | 0.31% | -23 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 9.92% | 10.38% | 10.60% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | 9.92% | 10.38% | 10.60% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 49.08% | 47.28% | 41.04% | 71.54% | 79.61% | 83.41% | 88.66% | 82.40% | +1,086 bps | |
| Liquid Assets / Assets | 14.28% | 18.38% | 47.54% | 15.04% | 11.90% | 9.33% | 6.64% | 12.65% | -239 bps | |