Oakland, CA · Charter 6571
Q2 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2001, the quarter ended June 30, 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.
Oakland, CA · Charter 6571
Q2 2001
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 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.71% | 4.06% | 3.50% | 2.82% | 0.00% | 0.13% | 0.32% | -0.01% | -282 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | 2.33% | -0.05% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | n/a | 4.09% | 4.06% | 3.57% | 4.62% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 94.94% | 94.82% | 89.20% | 96.75% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.65% | -2.92% | -1.69% | 2.03% | 1.52% | 2.71% | 37.72% | 34.13% | +3,210 bps | |
| Loan Growth (YoY) | 4.74% | 6.13% | 10.16% | 4.47% | -5.78% | -13.34% | 47.80% | 55.49% | +5,102 bps | |
| Share Growth (YoY) | -9.40% | -5.82% | -3.46% | 1.15% | 1.35% | 3.18% | 40.15% | 37.25% | +3,609 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.70% | 1.31% | 1.51% | 1.58% | 1.74% | 1.67% | 3.70% | 2.61% | +103 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 | 3.14% | 2.78% | 2.73% | 2.62% | 2.73% | 2.32% | 2.27% | 1.77% | -86 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | 13.93% | 14.06% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | 13.93% | 14.06% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 54.88% | 56.18% | 58.16% | 52.64% | 51.02% | 47.18% | 61.33% | 59.63% | +700 bps | |
| Liquid Assets / Assets | 22.73% | 21.52% | 28.37% | 28.95% | 12.24% | 12.88% | 22.87% | 42.57% | +1,363 bps | |