Wilmington, CA · Charter 5153
Q3 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2002, the quarter ended September 30, 2002, 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.
Wilmington, CA · Charter 5153
Q3 2002
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 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.66% | 0.20% | 0.28% | 0.35% | -0.11% | 0.31% | -0.21% | -2.59% | -294 bps | |
| Return on Equity | n/a | n/a | n/a | 1.86% | -0.67% | 1.93% | -1.31% | -17.17% | -1,903 bps | |
| Net Interest Margin | n/a | 4.91% | 4.79% | 5.14% | 4.45% | 4.53% | 4.70% | 4.99% | -14 bps | |
| Efficiency Ratio | n/a | 92.38% | 89.87% | 88.99% | 97.66% | 90.67% | 104.24% | 140.61% | +5,162 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.67% | -4.87% | -1.12% | -5.69% | -0.75% | 11.54% | 10.27% | 12.62% | +1,831 bps | |
| Loan Growth (YoY) | -9.25% | -11.98% | -12.09% | -11.39% | -2.40% | 0.94% | -13.54% | -13.48% | -209 bps | |
| Share Growth (YoY) | -1.04% | -6.79% | -1.95% | -8.74% | -2.81% | 12.26% | 13.45% | 18.75% | +2,749 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.15% | 0.47% | 0.40% | 0.29% | 0.32% | 0.04% | 0.00% | 0.70% | +41 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 | 1.16% | 0.71% | 1.00% | 0.93% | 1.07% | 0.89% | 1.06% | 1.90% | +97 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | 18.82% | 16.88% | 16.31% | 15.72% | 15.10% | -372 bps | |
| Net Worth / Assets | n/a | n/a | n/a | 18.82% | 16.88% | 16.31% | 15.72% | 15.10% | -372 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 67.72% | 72.50% | 68.58% | 74.17% | 68.01% | 65.18% | 52.27% | 54.04% | -2,013 bps | |
| Liquid Assets / Assets | 26.67% | 30.72% | 19.18% | 15.00% | 21.66% | 18.49% | 21.92% | 17.16% | +216 bps | |