Grand Terrace, CA · Charter 8032
Q2 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2000, the quarter ended June 30, 2000, 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.
Grand Terrace, CA · Charter 8032
Q2 2000
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 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.68% | -5.69% | -4.55% | 4.83% | 5.22% | 3.32% | -1.51% | -0.69% | -552 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | 3.96% | 5.19% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 132.91% | 95.94% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.43% | 16.50% | 9.92% | -21.52% | -19.58% | -16.74% | -15.15% | 10.50% | +3,202 bps | |
| Loan Growth (YoY) | 92.37% | 69.06% | 23.67% | -38.80% | -53.34% | -46.04% | -29.08% | 34.85% | +7,365 bps | |
| Share Growth (YoY) | 10.26% | 33.16% | 31.89% | -15.09% | -8.49% | -19.20% | -20.82% | 12.14% | +2,723 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.28% | 12.87% | 11.90% | 3.59% | 0.12% | 0.28% | 4.40% | 3.45% | -13 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 | 1.94% | 6.83% | 7.11% | 10.63% | 3.69% | 3.42% | 3.41% | 2.90% | -772 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 147.97% | 124.50% | 115.35% | 89.43% | 75.45% | 83.14% | 103.31% | 107.54% | +1,811 bps | |
| Liquid Assets / Assets | 0.44% | 0.38% | 11.48% | 38.60% | 41.70% | 37.70% | 18.51% | 17.77% | -2,082 bps | |