Los Angeles, CA · Charter 2770
Q2 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 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.44% | 0.87% | 1.95% | 2.76% | 2.22% | -1.03% | -2.15% | -2.38% | -515 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | -29.26% | -43.95% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | n/a | 6.29% | 5.88% | 5.92% | 5.09% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 65.34% | 91.55% | 96.01% | 149.16% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.14% | 8.30% | -8.41% | -9.31% | -6.67% | 0.15% | 4.14% | 10.44% | +1,975 bps | |
| Loan Growth (YoY) | 130.73% | 101.99% | 30.32% | 6.93% | -16.26% | -20.93% | -23.23% | -33.19% | -4,013 bps | |
| Share Growth (YoY) | 11.99% | 10.07% | 9.85% | 2.87% | 0.54% | -1.58% | 4.54% | 12.72% | +985 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.75% | 1.74% | 2.18% | 2.18% | 2.35% | 2.72% | 3.09% | 1.11% | -107 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 | 2.02% | 2.90% | 2.59% | 3.09% | 2.87% | 2.07% | 4.64% | 2.99% | -10 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | 7.34% | 5.42% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | 7.34% | 5.42% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 104.98% | 92.88% | 95.80% | 89.06% | 87.44% | 74.62% | 70.35% | 52.78% | -3,627 bps | |
| Liquid Assets / Assets | 11.94% | 13.91% | 0.75% | 16.98% | 20.20% | 29.57% | 34.39% | 44.90% | +2,792 bps | |