Santa Monica, CA · Charter 62271
Q4 1999
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 1999, the quarter ended December 31, 1999, 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.
Santa Monica, CA · Charter 62271
Q4 1999
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 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.07% | 2.26% | 2.43% | 2.04% | -3.60% | -566 bps | |
| Return on Equity | 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 | 5.24% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 110.50% | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -1.80% | -1.22% | 6.63% | 6.82% | 8.49% | +1,029 bps | |
| Loan Growth (YoY) | -7.25% | -8.52% | 5.86% | 28.15% | 38.95% | +4,620 bps | |
| Share Growth (YoY) | -2.08% | -0.52% | 7.62% | 8.18% | 12.96% | +1,504 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.12% | 3.33% | 3.47% | 2.34% | 1.82% | -30 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.46% | 3.15% | 2.90% | 2.31% | 3.76% | +130 bps | |
| Capital | |||||||
| Risk-Based Capital | 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 |
| Liquidity & Funding | |||||||
| Loans / Shares | 73.38% | 68.81% | 73.18% | 87.55% | 90.27% | +1,688 bps | |
| Liquid Assets / Assets | 26.27% | 28.82% | 26.99% | 8.12% | 8.34% | -1,793 bps | |