Los Angeles, CA · Charter 11059
Q4 1997
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 | Q2 1994 | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.20% | 4.24% | 4.35% | 4.59% | 4.39% | 4.46% | 4.86% | 4.92% | +33 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 | n/a | -4.47% | -6.83% | -3.29% | -4.03% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | 13.51% | 5.97% | -0.27% | -7.47% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | -7.75% | -10.81% | -7.69% | -8.59% | n/a | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.56% | 1.71% | 1.19% | 0.01% | 0.60% | 0.40% | 1.09% | 0.21% | +20 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 | 2.98% | 2.63% | 2.26% | 2.29% | 2.48% | 1.99% | 1.48% | 1.35% | -93 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 | 38.96% | 42.73% | 44.98% | 48.74% | 47.94% | 50.77% | 48.59% | 49.34% | +60 bps | |
| Liquid Assets / Assets | 28.64% | 28.46% | 16.32% | 25.05% | 26.09% | 24.21% | 23.26% | 13.03% | -1,202 bps | |