Monrovia, CA · Charter 10605
Q2 1998
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 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.61% | 3.82% | 4.12% | 4.24% | 4.44% | 4.70% | 4.52% | 3.80% | -43 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 | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | n/a | n/a | -5.75% | -0.20% | 6.41% | 7.68% | -1.37% | +438 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | -4.04% | 1.07% | 2.48% | 4.71% | 2.75% | +679 bps | |
| Share Growth (YoY) | n/a | n/a | n/a | -7.27% | -1.56% | 4.88% | 7.40% | -4.03% | +325 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.92% | 0.50% | 0.63% | 0.42% | 0.24% | 0.03% | 0.49% | 0.81% | +39 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 | 0.51% | 0.74% | 0.93% | 0.50% | 0.85% | 0.62% | 0.75% | 0.97% | +47 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 | 52.54% | 54.70% | 57.63% | 50.11% | 53.94% | 53.45% | 56.19% | 53.65% | +354 bps | |
| Liquid Assets / Assets | 12.97% | 14.34% | 12.71% | 17.54% | 21.08% | 24.78% | 29.98% | 38.70% | +2,116 bps | |