Los Angeles, CA · Charter 24571
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.
Los Angeles, CA · Charter 24571
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 | 0.66% | 0.42% | 0.57% | 0.59% | 0.64% | 1.19% | 1.04% | 0.94% | +35 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 6.46% | 12.46% | 10.74% | 9.87% | n/a | |
| Net Interest Margin | 3.97% | 3.90% | 3.82% | 3.81% | 3.85% | 3.64% | 3.69% | 3.56% | -25 bps | |
| Efficiency Ratio | 73.88% | 76.12% | 73.68% | 72.53% | 73.03% | 74.27% | 73.92% | 74.26% | +173 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.26% | 4.60% | 3.41% | 6.26% | 7.21% | 9.75% | 9.20% | 11.53% | +527 bps | |
| Loan Growth (YoY) | 1.13% | 3.49% | 5.86% | 6.51% | 6.23% | 4.52% | 8.10% | 9.77% | +327 bps | |
| Share Growth (YoY) | 2.32% | 5.03% | 2.83% | 5.58% | 5.99% | 8.50% | 8.73% | 11.62% | +604 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.12% | 0.63% | 0.69% | 0.73% | 0.64% | 0.64% | 0.63% | 0.77% | +4 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 | 1.53% | 1.42% | 1.53% | 1.69% | 1.69% | 1.48% | 1.36% | 1.28% | -41 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 9.84% | 9.58% | 9.72% | 9.53% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 9.84% | 9.58% | 9.72% | 9.53% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 54.44% | 52.27% | 52.88% | 53.38% | 54.56% | 50.35% | 52.57% | 52.50% | -88 bps | |
| Liquid Assets / Assets | 25.25% | 25.19% | 13.93% | 14.58% | 22.45% | 26.25% | 26.57% | 26.12% | +1,154 bps | |