Lodi, CA · Charter 64371
Q4 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2000, the quarter ended December 31, 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.
Lodi, CA · Charter 64371
Q4 2000
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 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.14% | 3.91% | -0.46% | 0.51% | 0.69% | -345 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 5.83% | n/a | n/a |
| Net Interest Margin | n/a | n/a | 3.41% | 4.40% | 4.55% | n/a | |
| Efficiency Ratio | n/a | n/a | 105.46% | 76.60% | 79.17% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 16.76% | 29.22% | 28.87% | 33.70% | 17.10% | +34 bps | |
| Loan Growth (YoY) | 19.63% | 1.19% | -2.23% | 1.87% | 9.91% | -972 bps | |
| Share Growth (YoY) | 17.11% | 33.13% | 33.40% | 33.74% | 9.19% | -792 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.58% | 2.98% | 1.45% | 3.16% | 2.47% | -11 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.18% | 2.11% | 1.80% | 1.04% | 1.18% | -100 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 11.89% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 11.89% | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 93.80% | 83.42% | 76.09% | 83.90% | 94.41% | +61 bps | |
| Liquid Assets / Assets | 9.02% | 8.05% | 7.19% | 3.58% | 12.60% | +358 bps | |