La Habra, CA · Charter 24378
Q3 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2001, the quarter ended September 30, 2001, 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.
La Habra, CA · Charter 24378
Q3 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 1999 | Q1 2000 | Q2 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.52% | 0.88% | 0.97% | 0.92% | 0.88% | 0.74% | 0.50% | 0.38% | -54 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 7.02% | 5.98% | 4.30% | 3.42% | n/a | |
| Net Interest Margin | 3.85% | 3.89% | 3.70% | 3.62% | 3.57% | 3.22% | 2.93% | 2.70% | -91 bps | |
| Efficiency Ratio | 81.50% | 73.72% | 72.54% | 73.71% | 74.55% | 79.62% | 84.56% | 87.29% | +1,358 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.65% | 5.10% | 10.95% | 11.79% | 12.10% | 12.40% | 12.41% | 16.65% | +486 bps | |
| Loan Growth (YoY) | 10.76% | 13.29% | 16.03% | 15.06% | 13.47% | 5.87% | 6.47% | 7.67% | -739 bps | |
| Share Growth (YoY) | 1.46% | 2.26% | 2.21% | 6.31% | 11.63% | 16.67% | 23.69% | 24.77% | +1,846 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.29% | 0.20% | 0.18% | 0.18% | 0.21% | 0.31% | 0.24% | 0.24% | +6 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 | 1.20% | 1.20% | 1.15% | 1.14% | 1.15% | 1.17% | 1.04% | 0.94% | -20 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 12.48% | 12.31% | 11.68% | 11.06% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 12.48% | 12.31% | 11.68% | 11.06% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 100.18% | 101.49% | 106.25% | 103.28% | 101.83% | 92.09% | 91.45% | 89.13% | -1,415 bps | |
| Liquid Assets / Assets | 4.47% | 3.85% | 5.37% | 8.08% | 6.52% | 14.00% | 12.28% | 9.26% | +119 bps | |