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Central Valley

Modesto, CA · Charter 62623

Q4 2001

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

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.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Central Valley

Modesto, CA · Charter 62623

Q4 2001

$36.0MAssets
$23.6MLoans
$33.6MShares
$2.3MNet Worth

Executive Summary

  • Earnings: ROA of 0.87%, up 62 bps year over year; NIM at 4.44%.
  • Asset quality: problem loans at 0.86% of loans (+59 bps YoY).
  • Capital: net worth / assets of 6.50%.
  • Funding: loans stand at 70.16% of shares as of Q4 2001.

Return on Assets (YTD, annualized)

0.87%+62 bps YoY

Net Interest Margin (YTD, annualized)

4.44%-21 bps YoY

Efficiency Ratio (YTD, annualized)

73.61%-1,284 bps YoY

Net Worth / Assets

6.50%

Year to date, annualized, through each quarter.

MetricQ2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000Q2 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets3.70%3.73%2.55%0.25%0.38%0.70%0.70%0.87%+62 bps
Return on Equityn/an/an/an/an/a10.92%11.81%13.41%n/a
Net Interest Marginn/an/an/a4.65%5.08%4.97%4.32%4.44%-21 bps
Efficiency Ration/an/an/a86.45%89.99%83.79%78.80%73.61%-1,284 bps
Growth
Asset Growth (YoY)6.78%7.70%2.19%7.07%8.06%8.74%22.15%19.32%+1,225 bps
Loan Growth (YoY)0.61%-1.15%5.12%20.48%32.83%29.67%22.37%4.60%-1,589 bps
Share Growth (YoY)7.16%7.91%1.83%0.04%2.50%7.99%21.47%26.34%+2,630 bps
Asset Quality
Delinquent Loans / Loans0.71%0.47%0.14%0.27%0.10%0.58%0.67%0.86%+59 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.97%0.85%1.04%0.88%0.70%0.66%0.75%0.87%-1 bps
Capital
Risk-Based Capitaln/an/an/an/an/a6.38%5.97%6.50%n/a
Net Worth / Assetsn/an/an/an/an/a6.38%5.97%6.50%n/a
Liquidity & Funding
Loans / Shares70.70%72.18%73.00%84.74%91.61%86.66%73.54%70.16%-1,459 bps
Liquid Assets / Assets22.07%11.80%9.18%8.26%1.60%4.68%19.30%25.71%+1,744 bps