San Francisco, CA · Charter 60585
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.
San Francisco, CA · Charter 60585
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 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.48% | 1.29% | 1.26% | 1.39% | 1.40% | 1.56% | 1.49% | 1.58% | +19 bps | |
| Return on Equity | 13.92% | 13.45% | 12.83% | 14.03% | 13.90% | 16.44% | 16.05% | 16.66% | +263 bps | |
| Net Interest Margin | 3.29% | 2.87% | 2.90% | 2.92% | 2.93% | 3.10% | 2.86% | 2.80% | -12 bps | |
| Efficiency Ratio | 50.23% | 50.19% | 49.62% | 47.54% | 46.05% | 43.75% | 44.49% | 43.70% | -384 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.56% | 21.97% | 22.41% | 22.04% | 23.08% | 18.48% | 25.24% | 24.02% | +197 bps | |
| Loan Growth (YoY) | 6.65% | 2.35% | 7.26% | 5.76% | 8.47% | 15.87% | 9.93% | 8.27% | +251 bps | |
| Share Growth (YoY) | 15.63% | 23.53% | 22.15% | 21.94% | 23.83% | 18.90% | 26.42% | 24.72% | +278 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.14% | 0.94% | 0.85% | 0.88% | 0.95% | 0.85% | 0.75% | 0.74% | -14 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 | 1.02% | 1.06% | 1.08% | 1.13% | 1.24% | 1.25% | 1.23% | 1.21% | +9 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.66% | 9.61% | 9.82% | 9.92% | 10.05% | 9.49% | 9.27% | 9.50% | -42 bps | |
| Net Worth / Assets | 10.66% | 9.61% | 9.82% | 9.92% | 10.05% | 9.49% | 9.27% | 9.50% | -42 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 79.74% | 67.47% | 70.88% | 68.97% | 69.85% | 65.75% | 61.63% | 59.87% | -910 bps | |
| Liquid Assets / Assets | 12.61% | 24.22% | 15.68% | 15.61% | 15.50% | 20.52% | 19.23% | 25.49% | +988 bps | |