Oakland, CA · Charter 61534
Q1 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2003, the quarter ended March 31, 2003, 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.
Oakland, CA · Charter 61534
Q1 2003
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 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.69% | -0.65% | 0.07% | -0.80% | -3.99% | -3.01% | -2.69% | -8.31% | -751 bps | |
| Return on Equity | n/a | -7.46% | 0.88% | -10.19% | -67.98% | -50.25% | -45.49% | -205% | -19,481 bps | |
| Net Interest Margin | 6.20% | 6.72% | 7.25% | 6.62% | 5.43% | 5.81% | 6.09% | 5.83% | -79 bps | |
| Efficiency Ratio | 109.93% | 105.77% | 96.45% | 104.27% | 119.04% | 114.88% | 115.23% | 128.25% | +2,398 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.66% | -1.33% | 2.79% | -3.80% | -3.22% | -3.63% | -9.25% | -11.87% | -807 bps | |
| Loan Growth (YoY) | 21.58% | 26.74% | -9.37% | -25.55% | -25.80% | -36.52% | -28.83% | -26.65% | -110 bps | |
| Share Growth (YoY) | 4.67% | 2.12% | 6.69% | 1.23% | -0.30% | -0.67% | -6.66% | -8.41% | -964 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.84% | 2.54% | 0.78% | 2.56% | 2.13% | 3.22% | 4.58% | 4.41% | +185 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 | 0.88% | 1.06% | 0.81% | 0.99% | 1.93% | 1.25% | 1.02% | 2.29% | +130 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | 8.68% | 8.56% | 7.86% | 5.87% | 5.99% | 5.91% | 4.06% | -381 bps | |
| Net Worth / Assets | n/a | 8.68% | 8.56% | 7.86% | 5.87% | 5.99% | 5.91% | 4.06% | -381 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 94.68% | 104.06% | 88.49% | 77.85% | 70.47% | 66.50% | 67.47% | 62.34% | -1,550 bps | |
| Liquid Assets / Assets | 0.69% | 2.54% | 16.37% | 25.77% | 23.21% | 17.92% | 15.26% | 17.88% | -788 bps | |