Walnut, CA · Charter 67903
Q4 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2002, the quarter ended December 31, 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.
Walnut, CA · Charter 67903
Q4 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 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.83% | 0.61% | 0.56% | 0.37% | 0.43% | 0.65% | 0.75% | 0.46% | +10 bps | |
| Return on Equity | 8.86% | 6.86% | 6.04% | 4.05% | 4.96% | 7.44% | 8.03% | 5.08% | +103 bps | |
| Net Interest Margin | 4.01% | 3.65% | 3.74% | 3.61% | 3.52% | 3.87% | 4.36% | 4.39% | +78 bps | |
| Efficiency Ratio | 83.25% | 84.10% | 85.60% | 85.37% | 85.02% | 78.46% | 75.37% | 74.83% | -1,055 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.17% | 9.62% | 12.63% | 13.30% | 12.63% | 7.90% | 5.88% | 4.04% | -926 bps | |
| Loan Growth (YoY) | -1.35% | 0.44% | 1.51% | 2.93% | 1.06% | 29.20% | 28.32% | 26.17% | +2,324 bps | |
| Share Growth (YoY) | 6.83% | 9.70% | 13.23% | 14.17% | 14.16% | 8.04% | 5.59% | 3.84% | -1,033 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.78% | 0.86% | 0.85% | 1.23% | 0.84% | 0.76% | 0.81% | 0.98% | -24 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 | 1.14% | 1.07% | 0.88% | 1.06% | 1.04% | 0.85% | 1.04% | 1.50% | +44 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.37% | 8.91% | 9.33% | 9.03% | 8.58% | 8.80% | 9.33% | 9.14% | +11 bps | |
| Net Worth / Assets | 9.37% | 8.91% | 9.33% | 9.03% | 8.58% | 8.80% | 9.33% | 9.14% | +11 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 64.93% | 61.18% | 65.16% | 62.75% | 57.48% | 73.16% | 79.18% | 76.24% | +1,349 bps | |
| Liquid Assets / Assets | 26.33% | 25.78% | 23.99% | 28.72% | 28.61% | 19.06% | 11.43% | 15.29% | -1,343 bps | |