San Diego, CA · Charter 68345
Q1 2002
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.84% | 1.01% | 1.14% | 0.97% | 0.76% | 0.70% | 0.65% | 0.16% | -80 bps | |
| Return on Equity | n/a | n/a | 9.33% | 10.07% | 8.18% | 7.74% | 7.32% | 1.96% | -811 bps | |
| Net Interest Margin | 4.15% | 4.19% | 4.11% | 3.08% | 2.95% | 2.81% | 2.73% | 2.48% | -61 bps | |
| Efficiency Ratio | 76.70% | 75.89% | 74.30% | 75.93% | 80.15% | 80.44% | 78.09% | 90.07% | +1,414 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.53% | 3.10% | 7.72% | 30.26% | 41.22% | 48.57% | 48.65% | 21.85% | -841 bps | |
| Loan Growth (YoY) | 30.81% | 28.20% | 21.33% | 13.76% | 23.23% | 18.40% | 17.73% | 16.38% | +263 bps | |
| Share Growth (YoY) | 1.22% | 2.26% | 7.20% | 32.84% | 45.80% | 54.17% | 54.98% | 23.77% | -907 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.12% | 0.14% | 0.17% | 0.35% | 0.30% | 0.66% | 0.77% | 0.77% | +41 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 | 0.97% | 0.88% | 0.81% | 0.79% | 0.60% | 0.54% | 0.65% | 0.69% | -10 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | 12.26% | 9.61% | 9.32% | 9.05% | 8.90% | 8.33% | -127 bps | |
| Net Worth / Assets | n/a | n/a | 12.26% | 9.61% | 9.32% | 9.05% | 8.90% | 8.33% | -127 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 76.88% | 83.19% | 82.60% | 60.50% | 64.98% | 63.89% | 62.75% | 56.89% | -361 bps | |
| Liquid Assets / Assets | 17.01% | 17.34% | 18.88% | 35.69% | 26.09% | 25.39% | 26.26% | 33.57% | -213 bps | |