PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Capitol Thrift and Loan Association

Napa, CA · Cert 26244

FDIC

Q4 2001

$114.8MAssets
$113.3MLoans
$90.6MDeposits
$10.5MEquity
Deposit mix
100%Interest-bearing $90.6M0%Noninterest $0.0MQ4 2000Q4 2001

NIM

9.32%Q1 ’019.30%Q3 ’019.58%Q4 ’01+2%+8%

Non-interest income vs. expense

2.88%Q1 ’013.21%Q3 ’013.56%Q4 ’01+10%-6%

Executive Summary

  • Earnings: ROA of 1.10%, up 26 bps year over year; NIM at 4.34%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.03%.
  • Funding: loans stand at 125.17% of deposits as of Q4 2001.

Financial Results

Return on Assets (YTD, annualized)

1.10%+26 bps YoY

Net Interest Margin (YTD, annualized)

4.34%

Efficiency Ratio (YTD, annualized)

66.07%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2000Q1 2001Q2 2001Q3 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets0.85%0.95%0.77%0.84%1.10%+26 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/a3.95%3.99%4.02%4.34%n/a
Efficiency Ration/a65.51%71.67%70.35%66.07%n/a
Non-Interest Burdenn/a2.44%2.75%2.67%2.51%n/a
Growth
Asset Growth (YoY)10.17%13.75%1.47%-1.42%-10.62%-2,079 bps
Loan Growth (YoY)10.00%9.97%6.22%5.90%2.83%-717 bps
Deposit Growth (YoY)4.23%10.75%1.37%-1.33%-16.59%-2,083 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/a0.03%0.04%0.02%0.03%n/a
Allowance / Loansn/a1.79%1.75%1.74%1.81%n/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capitaln/a11.30%10.48%10.11%11.21%n/a
Equity / Assetsn/a8.52%8.21%7.96%9.12%n/a
Liquidity & Funding
Loans / Deposits101.53%102.35%108.02%109.51%125.17%+2,364 bps
Liquid Assets / Assets0.00%0.02%0.02%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a