Modesto, CA · Charter 62623
Q4 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2001, the quarter ended December 31, 2001, 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.
Modesto, CA · Charter 62623
Q4 2001
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 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.25% | 0.38% | 0.70% | 0.70% | 0.87% | +62 bps | |
| Return on Equity | n/a | n/a | 10.92% | 11.81% | 13.41% | n/a | |
| Net Interest Margin | 4.65% | 5.08% | 4.97% | 4.32% | 4.44% | -21 bps | |
| Efficiency Ratio | 86.45% | 89.99% | 83.79% | 78.80% | 73.61% | -1,284 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.07% | 8.06% | 8.74% | 22.15% | 19.32% | +1,225 bps | |
| Loan Growth (YoY) | 20.48% | 32.83% | 29.67% | 22.37% | 4.60% | -1,589 bps | |
| Share Growth (YoY) | 0.04% | 2.50% | 7.99% | 21.47% | 26.34% | +2,630 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.27% | 0.10% | 0.58% | 0.67% | 0.86% | +59 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.88% | 0.70% | 0.66% | 0.75% | 0.87% | -1 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | 6.38% | 5.97% | 6.50% | n/a | |
| Net Worth / Assets | n/a | n/a | 6.38% | 5.97% | 6.50% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 84.74% | 91.61% | 86.66% | 73.54% | 70.16% | -1,459 bps | |
| Liquid Assets / Assets | 8.26% | 1.60% | 4.68% | 19.30% | 25.71% | +1,744 bps | |