San Francisco, CA · Charter 64459
Q3 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2002, the quarter ended September 30, 2002, 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 Francisco, CA · Charter 64459
Q3 2002
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 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.36% | -0.35% | 0.51% | 0.43% | -0.47% | -1.37% | -0.97% | -0.90% | -132 bps | |
| Return on Equity | n/a | n/a | n/a | 4.74% | -5.54% | -19.06% | -15.49% | -15.08% | -1,982 bps | |
| Net Interest Margin | n/a | 4.08% | 4.21% | 4.44% | 3.56% | 3.12% | 2.84% | 2.83% | -161 bps | |
| Efficiency Ratio | n/a | 97.15% | 88.62% | 88.04% | 109.58% | 133.40% | 127.22% | 122.65% | +3,461 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.44% | 4.01% | 5.08% | 2.97% | 2.04% | 5.57% | 10.62% | 13.82% | +1,084 bps | |
| Loan Growth (YoY) | -20.64% | -25.97% | -32.37% | -22.56% | -17.94% | -14.99% | -11.07% | -20.61% | +196 bps | |
| Share Growth (YoY) | 1.72% | 6.33% | 6.16% | 3.56% | 2.50% | 7.48% | 14.23% | 18.16% | +1,461 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.09% | 1.10% | 0.91% | 1.24% | 1.44% | 1.53% | 1.54% | 1.56% | +32 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 | 1.00% | 1.12% | 1.09% | 1.18% | 1.18% | 0.92% | 0.72% | 0.78% | -40 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | 8.98% | 8.56% | 7.17% | 6.24% | 5.95% | -303 bps | |
| Net Worth / Assets | n/a | n/a | n/a | 8.98% | 8.56% | 7.17% | 6.24% | 5.95% | -303 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 58.39% | 53.60% | 48.32% | 50.58% | 46.75% | 42.39% | 37.62% | 33.98% | -1,660 bps | |
| Liquid Assets / Assets | 38.24% | 41.66% | 47.15% | 51.07% | 54.21% | 57.91% | 61.24% | 65.31% | +1,424 bps | |