Sacramento, CA · Charter 95056
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.
Sacramento, CA · Charter 95056
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 | 1.07% | 1.33% | 2.13% | 1.81% | 1.57% | 0.97% | 0.87% | 0.78% | -103 bps | |
| Return on Equity | n/a | n/a | 18.67% | 15.87% | 14.06% | 9.17% | 8.06% | 7.45% | -842 bps | |
| Net Interest Margin | 4.94% | 4.50% | 5.06% | 4.89% | 4.12% | 4.34% | 4.45% | 4.19% | -70 bps | |
| Efficiency Ratio | 75.11% | 68.59% | 59.28% | 64.51% | 64.10% | 76.82% | 79.01% | 79.56% | +1,505 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 32.41% | 47.54% | 27.19% | 26.93% | 27.90% | 25.12% | 31.19% | 26.06% | -87 bps | |
| Loan Growth (YoY) | 7.72% | 17.48% | 30.30% | 19.47% | 6.27% | -1.61% | -6.75% | -8.04% | -2,750 bps | |
| Share Growth (YoY) | 32.44% | 49.72% | 25.84% | 25.23% | 26.13% | 23.47% | 32.03% | 27.48% | +226 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.40% | 0.69% | 0.57% | 0.83% | 0.71% | 0.64% | 1.08% | 0.68% | -15 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 | 2.11% | 1.87% | 1.62% | 1.90% | 1.98% | 1.79% | 1.93% | 1.94% | +5 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | 11.43% | 11.41% | 11.13% | 10.63% | 10.81% | 10.49% | -92 bps | |
| Net Worth / Assets | n/a | n/a | 11.43% | 11.41% | 11.13% | 10.63% | 10.81% | 10.49% | -92 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.37% | 68.59% | 78.38% | 69.32% | 59.30% | 54.66% | 55.36% | 50.01% | -1,932 bps | |
| Liquid Assets / Assets | 34.40% | 34.48% | 17.73% | 27.21% | 16.38% | 23.66% | 30.36% | 31.60% | +440 bps | |