Torrance, CA · Charter 601
Q4 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2000, the quarter ended December 31, 2000, 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.
Torrance, CA · Charter 601
Q4 2000
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.23% | 3.03% | 0.34% | 1.01% | -4.46% | -769 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | -46.31% | n/a | n/a |
| Net Interest Margin | n/a | n/a | 4.78% | 5.02% | 5.41% | n/a | |
| Efficiency Ratio | n/a | n/a | 78.00% | 73.52% | 164.30% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 6.82% | -0.11% | 7.16% | -10.40% | -21.30% | -2,811 bps | |
| Loan Growth (YoY) | -2.35% | -3.58% | -7.73% | -7.09% | -16.94% | -1,459 bps | |
| Share Growth (YoY) | 5.55% | -1.69% | 6.99% | -13.11% | -23.52% | -2,907 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.22% | 0.37% | 0.31% | 0.07% | 0.37% | +15 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.04% | 1.16% | 1.25% | 1.26% | 1.39% | +35 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 9.64% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 9.64% | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 81.81% | 82.32% | 81.51% | 87.18% | 88.85% | +704 bps | |
| Liquid Assets / Assets | 21.19% | 18.19% | 23.34% | 20.62% | 20.53% | -66 bps | |