Long Beach, CA · Charter 67834
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.
Long Beach, CA · Charter 67834
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 | 0.80% | 0.92% | 1.18% | 1.36% | 1.03% | +24 bps | |
| Return on Equity | n/a | n/a | 6.42% | 7.36% | 5.60% | n/a | |
| Net Interest Margin | 3.55% | 3.78% | 4.02% | 4.06% | 3.75% | +20 bps | |
| Efficiency Ratio | 75.41% | 74.56% | 71.07% | 67.23% | 73.16% | -225 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.80% | -7.29% | -3.46% | -1.15% | 0.71% | +351 bps | |
| Loan Growth (YoY) | 1.07% | 8.52% | 21.33% | 25.19% | 10.40% | +933 bps | |
| Share Growth (YoY) | -4.32% | -10.71% | -6.31% | -3.89% | -1.46% | +285 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.82% | 0.00% | 0.26% | 0.47% | 0.00% | -82 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.59% | 1.53% | 1.35% | 1.36% | 0.95% | -64 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | 18.38% | 18.50% | 18.45% | n/a | |
| Net Worth / Assets | n/a | n/a | 18.38% | 18.50% | 18.45% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 85.00% | 96.22% | 108.04% | 107.13% | 95.23% | +1,023 bps | |
| Liquid Assets / Assets | 27.91% | 20.16% | 12.01% | 13.17% | 21.70% | -621 bps | |