Glendale, CA · Charter 2368
Q2 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2002, the quarter ended June 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.
Glendale, CA · Charter 2368
Q2 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 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.27% | 1.40% | 1.39% | 1.43% | 1.41% | 1.42% | 1.32% | 1.28% | -15 bps | |
| Return on Equity | n/a | 14.71% | 14.76% | 14.90% | 14.35% | 13.99% | 13.14% | 12.63% | -227 bps | |
| Net Interest Margin | 4.94% | 4.95% | 4.65% | 4.57% | 4.55% | 4.58% | 4.59% | 4.54% | -3 bps | |
| Efficiency Ratio | 68.89% | 68.94% | 80.12% | 77.88% | 75.85% | 74.70% | 72.98% | 72.69% | -519 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.65% | 2.27% | 4.62% | 6.02% | 8.03% | 9.08% | 8.41% | 8.80% | +278 bps | |
| Loan Growth (YoY) | 2.74% | 1.08% | 0.72% | 0.68% | 0.61% | -0.93% | -0.37% | -0.09% | -77 bps | |
| Share Growth (YoY) | -0.78% | 0.95% | 3.34% | 4.79% | 6.86% | 8.24% | 7.55% | 8.08% | +329 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.56% | 0.57% | 0.42% | 0.44% | 0.39% | 0.40% | 0.26% | 0.21% | -23 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 | 1.73% | 1.61% | 1.38% | 1.18% | 1.12% | 1.12% | 1.10% | 1.10% | -8 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | 9.52% | 9.40% | 9.61% | 9.81% | 10.15% | 10.03% | 10.14% | +53 bps | |
| Net Worth / Assets | n/a | 9.52% | 9.40% | 9.61% | 9.81% | 10.15% | 10.03% | 10.14% | +53 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 67.54% | 68.77% | 64.09% | 63.90% | 63.58% | 62.95% | 59.37% | 59.07% | -483 bps | |
| Liquid Assets / Assets | 13.90% | 20.36% | 28.25% | 22.34% | 19.63% | 19.60% | 23.21% | 24.75% | +241 bps | |