Los Angeles, CA · Charter 17548
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% | 1.72% | 3.76% | 2.22% | 1.04% | 0.52% | 1.68% | 2.89% | +67 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 1.88% | 6.67% | 10.45% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 4.87% | 4.61% | 2.31% | 4.15% | 3.92% | -96 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 64.72% | 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 / Loans | 39.63% | 14.73% | 27.45% | 20.04% | 42.73% | 42.73% | 71.94% | 100.00% | +7,996 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 | 8.30% | 1.14% | 1.52% | 7.09% | 11.51% | 11.51% | 52.71% | 62.47% | +5,538 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 27.67% | 25.22% | 27.66% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | 27.67% | 25.22% | 27.66% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 33.93% | 27.55% | 23.67% | 19.44% | 12.20% | 12.20% | 10.67% | 5.87% | -1,357 bps | |
| Liquid Assets / Assets | 48.62% | 50.72% | 51.90% | 54.99% | 57.30% | 57.30% | 95.45% | 30.73% | -2,427 bps | |