Glendale, CA · Charter 22163
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 | 3.96% | 3.44% | 3.06% | 2.26% | 0.20% | 0.83% | 0.34% | 0.23% | -203 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | 2.21% | 1.66% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | n/a | 3.83% | 4.10% | 4.56% | 3.38% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 87.58% | 76.30% | 77.53% | 93.52% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.74% | 2.17% | 3.17% | 9.57% | 0.84% | 4.96% | -0.59% | 0.79% | -878 bps | |
| Loan Growth (YoY) | -10.69% | -7.47% | -27.22% | -21.75% | -10.80% | -5.10% | 14.07% | 2.90% | +2,465 bps | |
| Share Growth (YoY) | 3.47% | 1.25% | 2.21% | 10.24% | 0.76% | 5.24% | -1.43% | -0.22% | -1,046 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.16% | 3.07% | 3.58% | 2.79% | 1.77% | 1.84% | 1.33% | 2.10% | -68 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 | 1.86% | 1.95% | 1.48% | 1.72% | 1.04% | 1.21% | 1.67% | 1.89% | +17 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | 15.34% | 13.82% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | 15.34% | 13.82% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 63.01% | 60.94% | 52.88% | 48.37% | 55.78% | 54.95% | 61.20% | 49.88% | +151 bps | |
| Liquid Assets / Assets | 38.58% | 17.15% | 20.12% | 25.13% | 24.98% | 24.67% | 46.82% | 55.79% | +3,066 bps | |