San Dimas, CA · Charter 24320
Q4 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2000, the quarter ended December 31, 2000, 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.
San Dimas, CA · Charter 24320
Q4 2000
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 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 5.44% | 5.30% | 4.89% | 1.43% | 5.01% | 0.45% | -0.97% | -1.07% | -250 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | -17.64% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | 6.38% | 6.09% | 6.42% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 75.25% | 89.18% | 85.51% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.24% | -2.76% | -4.03% | -0.85% | -3.80% | 6.20% | -6.46% | -13.94% | -1,309 bps | |
| Loan Growth (YoY) | 1.55% | 9.09% | 19.44% | 8.42% | 7.93% | 5.59% | -8.26% | -10.53% | -1,895 bps | |
| Share Growth (YoY) | 13.47% | -4.80% | -12.31% | 0.14% | -2.92% | 8.97% | 3.07% | -14.22% | -1,435 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.72% | 2.57% | 3.52% | 2.47% | 3.47% | 5.24% | 4.25% | 4.71% | +224 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 | 2.52% | 1.95% | 1.68% | 2.77% | 2.81% | 2.74% | 2.47% | 2.96% | +19 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 6.08% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 6.08% | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 89.55% | 101.80% | 109.11% | 94.24% | 99.56% | 98.65% | 97.11% | 98.29% | +405 bps | |
| Liquid Assets / Assets | 12.68% | 4.87% | 4.35% | 10.42% | 6.99% | 3.14% | 4.65% | 7.95% | -247 bps | |