Universal City, CA · Charter 883
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.
Universal City, CA · Charter 883
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 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.42% | 0.57% | 0.74% | 0.28% | 0.04% | 0.27% | 0.25% | -0.28% | -57 bps | |
| Return on Equity | n/a | n/a | 2.74% | 1.07% | 0.12% | 0.92% | 0.87% | -0.92% | -199 bps | |
| Net Interest Margin | 2.83% | 3.05% | 3.65% | 3.18% | 3.32% | 2.81% | 2.70% | 2.68% | -50 bps | |
| Efficiency Ratio | 85.14% | 81.45% | 79.78% | 91.25% | 98.94% | 90.57% | 90.58% | 110.51% | +1,927 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.85% | -10.41% | -17.93% | -15.58% | -23.76% | -19.70% | -7.61% | -14.51% | +107 bps | |
| Loan Growth (YoY) | -21.79% | -10.34% | -5.37% | -14.31% | -23.43% | -35.98% | -37.51% | -41.00% | -2,669 bps | |
| Share Growth (YoY) | -12.23% | -13.92% | -23.89% | -21.13% | -31.16% | -26.13% | -10.66% | -19.26% | +187 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.03% | 2.16% | 0.00% | 1.25% | 0.96% | 0.23% | 1.19% | 0.83% | -43 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 | 2.10% | 2.23% | 2.23% | 2.31% | 2.62% | 2.49% | 2.55% | 2.88% | +57 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | 26.91% | 26.54% | 29.29% | 28.90% | 29.35% | 30.63% | +409 bps | |
| Net Worth / Assets | n/a | n/a | 26.91% | 26.54% | 29.29% | 28.90% | 29.35% | 30.63% | +409 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 50.68% | 51.52% | 63.58% | 55.53% | 56.38% | 44.65% | 44.47% | 40.58% | -1,495 bps | |
| Liquid Assets / Assets | 5.20% | 0.00% | 52.33% | 58.33% | 59.45% | 67.54% | 67.85% | 70.73% | +1,239 bps | |