San Leandro, CA · Charter 6171
Q2 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2000, the quarter ended June 30, 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.
San Leandro, CA · Charter 6171
Q2 2000
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 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.91% | 4.20% | 3.53% | 4.41% | 5.20% | 3.80% | -4.89% | -4.19% | -860 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | 6.19% | 5.99% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 71.60% | 99.29% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 23.37% | 26.55% | 18.27% | 13.45% | -13.24% | -22.39% | -25.16% | -32.46% | -4,591 bps | |
| Loan Growth (YoY) | 44.28% | 32.18% | 10.68% | 0.55% | -15.36% | -23.37% | -18.53% | -18.34% | -1,889 bps | |
| Share Growth (YoY) | 20.77% | 38.84% | 15.67% | 16.67% | -9.45% | -24.06% | -21.02% | -30.13% | -4,679 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.51% | 3.25% | 3.09% | 5.12% | 7.94% | 7.50% | 2.62% | 1.33% | -379 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 | 0.46% | 0.39% | 0.71% | 1.28% | 1.34% | 0.77% | 2.39% | 2.51% | +123 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 107.51% | 93.01% | 99.49% | 87.25% | 100.50% | 93.85% | 102.63% | 101.97% | +1,471 bps | |
| Liquid Assets / Assets | 5.80% | 7.17% | 6.40% | 3.66% | 0.00% | 13.83% | 8.37% | 2.71% | -94 bps | |