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California Cosmetology

Los Angeles, CA · Charter 17548

Q4 2001

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2001, the quarter ended December 31, 2001, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

California Cosmetology

Los Angeles, CA · Charter 17548

Q4 2001

$19KAssets
$1KLoans
$14KShares
$5KNet Worth

Executive Summary

  • Earnings: ROA of 2.89%, up 67 bps year over year; NIM at 3.92%.
  • Asset quality: problem loans at 100.00% of loans (+7,996 bps YoY).
  • Capital: net worth / assets of 27.66%.
  • Funding: loans stand at 5.87% of shares as of Q4 2001.

Return on Assets (YTD, annualized)

2.89%+67 bps YoY

Net Interest Margin (YTD, annualized)

3.92%-96 bps YoY

Efficiency Ratio (YTD, annualized)

54.60%-1,012 bps YoY

Net Worth / Assets

27.66%

Year to date, annualized, through each quarter.

MetricQ2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000Q2 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets3.18%1.72%3.76%2.22%1.04%0.52%1.68%2.89%+67 bps
Return on Equityn/an/an/an/an/a1.88%6.67%10.45%n/a
Net Interest Marginn/an/an/a4.87%4.61%2.31%4.15%3.92%-96 bps
Efficiency Ration/an/an/a64.72%84.57%84.57%61.84%54.60%-1,012 bps
Growth
Asset Growth (YoY)8.25%10.32%4.65%0.19%-4.50%-3.26%-8.72%-7.55%-774 bps
Loan Growth (YoY)-3.23%-1.73%9.58%-47.43%-68.08%-59.25%-58.61%-71.83%-2,440 bps
Share Growth (YoY)12.08%6.20%-0.26%-5.24%-11.25%-8.04%-8.21%-6.74%-149 bps
Asset Quality
Delinquent Loans / Loans39.63%14.73%27.45%20.04%42.73%42.73%71.94%100.00%+7,996 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans8.30%1.14%1.52%7.09%11.51%11.51%52.71%62.47%+5,538 bps
Capital
Risk-Based Capitaln/an/an/an/an/a27.67%25.22%27.66%n/a
Net Worth / Assetsn/an/an/an/an/a27.67%25.22%27.66%n/a
Liquidity & Funding
Loans / Shares33.93%27.55%23.67%19.44%12.20%12.20%10.67%5.87%-1,357 bps
Liquid Assets / Assets48.62%50.72%51.90%54.99%57.30%57.30%95.45%30.73%-2,427 bps