Anaheim, CA · Charter 60814
Q4 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2002, the quarter ended December 31, 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.
Anaheim, CA · Charter 60814
Q4 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 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.05% | 0.39% | 0.66% | 0.17% | 0.24% | 0.06% | 0.27% | 1.22% | +105 bps | |
| Return on Equity | n/a | n/a | 3.06% | 0.92% | 1.70% | 0.41% | 1.81% | 7.55% | +662 bps | |
| Net Interest Margin | 4.68% | 4.91% | 5.24% | 4.52% | 4.51% | 3.71% | 3.83% | 3.74% | -78 bps | |
| Efficiency Ratio | 121.01% | 92.60% | 88.10% | 96.46% | 94.96% | 98.45% | 93.50% | 102.98% | +653 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -23.76% | -17.36% | -14.52% | -5.69% | 1.16% | -0.61% | 8.57% | -1.80% | +390 bps | |
| Loan Growth (YoY) | -18.77% | -4.28% | 4.47% | 22.94% | -8.21% | -27.27% | -34.59% | -37.90% | -6,084 bps | |
| Share Growth (YoY) | -27.04% | -20.79% | -17.54% | -4.89% | 7.72% | 6.44% | 18.30% | 1.70% | +659 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.17% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 2.04% | 1.93% | 1.96% | 1.83% | 2.22% | 2.65% | 3.00% | 0.37% | -146 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | 21.68% | 18.88% | 14.40% | 14.81% | 14.64% | 16.18% | -270 bps | |
| Net Worth / Assets | n/a | n/a | 21.68% | 18.88% | 14.40% | 14.81% | 14.64% | 16.18% | -270 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 91.06% | 98.53% | 104.88% | 101.55% | 77.60% | 67.33% | 57.99% | 62.00% | -3,954 bps | |
| Liquid Assets / Assets | 23.02% | 20.44% | 15.90% | 18.09% | 25.93% | 34.96% | 39.01% | 39.92% | +2,183 bps | |