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Profile - LIFE Financial Corp. (NasdaqSC:LFCO)
As of 31-Aug-2001
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More Info: Quote | Chart | News | Profile | SEC | Msgs | Insider | Financials
Location
10540 Magnolia Avenue, Suite B
Riverside, CA 92505
Phone: (909) 637-4000
Fax: (909) 637-4250
Email: webmaster@lifebank.net
Employees (last reported count): 100
Financial Links
 ·Top Institutional Holders
 ·Top Mutual Fund Holders
 ·Historical Quote Data
 ·Raw SEC Filings at sec.gov
Competitors:
 ·Sector: Financial
 ·Industry: S&Ls/Savings Banks
Company Website
 ·Home Page

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Ownership
·Insider and 5%+ Owners: 33%
·Institutional: 12% (17% of float)
(13 institutions)
·Net Inst. Selling: 150.0K shares (+2143.33%)
(prior quarter to latest quarter)
More From Market Guide
 ·Highlights
 ·Performance
 ·Ratio Comparisons
Business Summary
LIFE Financial Corporation is a saving and loan holding company that owns LIFE Bank (the Bank), its principal operating subsidiary. The Company's primary business is community retail banking and real estate lending. The Bank operates five full-service branches located in the Company's primary market areas of San Bernardino, Riverside, and Orange Counties, California. The Bank offers a variety of products and services for consumers and small businesses that include checking, savings and money market accounts, as well as certificates of deposit. The Bank originates and purchases conforming and jumbo prime credit-quality real estate-secured loans through a network of approved mortgage brokers within the state of California. In addition, the Bank originates residential construction loans on a retail basis in Southern California. The Bank funds its lending activities primarily with retail deposits obtained through its branches and advances from the Federal Home Loan Bank of San Francisco.
More from Market Guide: Expanded Business Description

Financial Summary
LFCO is a savings and loan holding company that owns 100% of the capital stock of LIFE Bank, the Company's principal operating subsidiary. For the three months ended 3/31/01, interest income fell 36% to $7.5 million. Net interest income after loan loss provision fell 59% to $1.8 million. Net loss fell 99% to $6 thousand. Net interest income reflects a decrease in interest earning assets and the inclusion of LLP. Lower loss reflects the absence of mortgage losses.

Recent Earnings Announcement
For the 3 months ended 06/30/2001, revenues were 6,470; after tax earnings were -1,251. (Preliminary; reported in thousands of dollars.)

More from Market Guide: Significant Developments

Officers[Insider Trade Data]
FY2000 Pay

Ronald Skipper, 59
Chairman
--  
Steven Gardner, 40
Pres, CEO, Chief Operating Officer
$184K
Roy Painter, 55
CFO, Sr. VP, Sec.
65K
Dollar amounts are as of 31-Dec-2000 and compensation values are for the fiscal year ending on that date; "Pay" is salary, bonuses, etc..
More from Market Guide on Officers & Directors:
Expanded List, Bios, Compensation, Options
Statistics at a Glance -- NasdaqSC:LFCOAs of 31-Aug-2001
Price and Volume
52-Week Low
on 8-Dec-2000
$1.095
Recent Price$2.10 
52-Week High
on 16-Oct-2000
$16.25 
Beta2.06 
Daily Volume (3-month avg)4,273 
Daily Volume (10-day avg)4,000 
Stock Performance
[one-year price graph]
big chart [1d | 5d | 3m | 6m | 1y | 2y | 5y]
52-Week Change-86.3%
52-Week Change
relative to S&P500
-81.6%
Share-Related Items
Market Capitalization$2.80M
Shares Outstanding1.33M
Float900.0K
Dividends & Splits
Annual Dividendnone 
Last Split: 1 for 5 on 12-June-2001
Per-Share Data
Book Value (mrq*)$10.29 
Earnings (ttm)-$18.65 
Earnings (mrq)-$0.94 
Sales (ttm)$24.37 
Cash (mrq*)$48.00 
Valuation Ratios
Price/Book (mrq*)0.20 
Price/EarningsN/A 
Price/Sales (ttm)0.09 
Income Statements
Sales (ttm)$32.5M
EBITDAN/A 
Income available to common (ttm)-$24.9M
Profitability
Profit Margin (ttm)-76.6%
Operating Margin (ttm)22.2%
Fiscal Year
Fiscal Year EndsDec 31
Most recent quarter
(fully updated)
31-Mar-2001
Most recent quarter
(flash earnings)
30-June-2001
Management Effectiveness
Return on Assets (ttm)-5.60%
Return on Equity (ttm)-119.34%
Financial Strength
Current RatioN/A 
Debt/EquityN/A 
Total Cash (mrq)$23.7M
Short Interest
As of 8-Aug-2001
Shares Short4,000 
Percent of Float0.4%
Shares Short
(Prior Month)
21.0K
Short Ratio2.00 
Daily Volume2,000 
See Profile Help for a description of each item above;   K = thousands;   M = millions;   mrq = most-recent quarter;   ttm = trailing twelve months;   (as of 30-June-2001, except mrq*/ttm* items as of 31-Mar-2001)

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