Yahoo / Market Guide - Downey Financial Corp.

·	Insider and 5%+ Owners: 24%
·	Over the last 6 months: · one insider buy; 9,000 shares (0.1% of insider shares) · 3 insider sells; 4,000 shares
·	Institutional: 45% (60% of float) (297 institutions)
·	Net Inst. Selling: 829.0K shares (+6.96%) (prior quarter to latest quarter)

More From Market Guide

·Highlights
·Performance
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Business Summary

Downey Financial Corp. (Downey) is the holding Company of Downey Savings and Loan Association (the Bank). Downey primary business is banking but the Company is also involved in real estate investment. The Bank's activities focus on: attracting funds from the general public and institutions; and originating and investing in loans, primarily residential real estate mortgage loans, investment securities and mortgage-backed securities. The Company's lending activities have primarily emphasized its origination of first mortgage loans secured by residential properties and retail neighborhood shopping centers. The Company also is involved in real estate investment activities, which are conducted primarily through DSL Service Company, a wholly owned subsidiary of the Downey Savings and Association.

More from Market Guide: Expanded Business Description

Financial Summary

DSL is a bank holding company for Downey Savings and Loan Association, a federally chartered bank. For the six months ended 6/30/01, interest income rose 16% to $431.2 million. Net interest income after loan loss prov. rose 22% to $151.9 million. Net income before acct. change rose 19% to $59.3 million. Results reflect a higher volume of loans originated for sale and effective interest rate spread, partially offset by a $11.1 million loan servicing charge.

More from Market Guide: Significant Developments

Officers

[Insider Trade Data]

	FY2000 Compensation
	Pay	Exer

Maurice McAlister, 75 Chairman	--	--
Daniel Rosenthal, 48 Pres, CEO	$800K	$130K
Cheryl Olson, 44 Vice Chairman	--	--
Thomas Prince, 54 CFO, Exec. VP	251K	162K
Jane Wolfe, 55 Exec. VP, CAO	628K	179K
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.; "Exer" is the value of options excercised during the fiscal year.

More from Market Guide on Officers & Directors:
Expanded List, Bios, Compensation, Options

Statistics at a Glance -- NYSE:DSL

As of 31-Aug-2001

Price and Volume
52-Week Low on 22-Sep-2000	$`32.50`
Recent Price	$`47.75`
52-Week High on 22-Dec-2000	$`61.938`
Beta	`0.31`
Daily Volume (3-month avg)	`159.1K`
Daily Volume (10-day avg)	`258.0K`
Stock Performance
big chart [1d \| 5d \| 3m \| 6m \| 1y \| 2y \| 5y \| max]
52-Week Change	`+45.8%`
52-Week Change relative to S&P500	`+95.6%`
Share-Related Items
Market Capitalization	$`1.35B`
Shares Outstanding	`28.2M`
Float	`21.4M`
Dividends & Splits
Annual Dividend (indicated)	$`0.36`
Dividend Yield	`0.75%`
Last Split: 21 for 20 on 5-May-1998

Per-Share Data
Book Value (mrq)	$`24.13`
Earnings (ttm)	$`3.84`
Earnings (mrq)	$`1.18`
Sales (ttm)	$`29.91`
Cash (mrq)	$`3.93`
Valuation Ratios
Price/Book (mrq)	`1.98`
Price/Earnings (ttm)	`12.43`
Price/Sales (ttm)	`1.60`
Income Statements
Sales (ttm)	$`845.3M`
EBITDA	N/A
Income available to common (ttm)	$`108.6M`
Profitability
Profit Margin (ttm)	`12.8%`
Operating Margin (ttm)	`33.9%`
Fiscal Year
Fiscal Year Ends	Dec 31
Most recent quarter	30-June-2001

Management Effectiveness
Return on Assets (ttm)	`1.01%`
Return on Equity (ttm)	`17.33%`
Financial Strength
Current Ratio	N/A
Debt/Equity	N/A
Total Cash (mrq)	$`110.9M`
Short Interest As of 8-Aug-2001
Shares Short	`536.0K`
Percent of Float	`2.5%`
Shares Short (Prior Month)	`235.0K`
Short Ratio	`3.31`
Daily Volume	`162.0K`

See Profile Help for a description of each item above; K = thousands; M = millions; B = billions; mrq = most-recent quarter; ttm = trailing twelve months; (as of 30-June-2001)

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