San Diego, CA · Charter 11098
Q2 2000
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 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.98% | 2.89% | 3.23% | 2.60% | 2.78% | 2.55% | 0.11% | -0.39% | -299 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 | 4.31% | 4.75% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 97.74% | 87.82% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -16.49% | -8.58% | -9.20% | -0.02% | 2.36% | 13.40% | 7.88% | 9.38% | +940 bps | |
| Loan Growth (YoY) | -14.04% | -10.22% | -13.43% | -16.66% | -14.89% | -7.09% | 7.24% | 22.54% | +3,920 bps | |
| Share Growth (YoY) | -19.88% | -10.49% | -11.10% | 0.16% | 2.82% | 16.03% | 9.42% | 11.32% | +1,116 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.63% | 0.80% | 5.74% | 5.70% | 2.80% | 3.69% | 0.85% | 0.95% | -475 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 | 1.38% | 0.48% | 0.69% | 0.85% | 1.00% | 1.03% | 0.50% | 0.90% | +5 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 | 85.05% | 80.74% | 78.17% | 73.54% | 70.40% | 64.65% | 76.61% | 80.96% | +741 bps | |
| Liquid Assets / Assets | 22.55% | 24.60% | 25.14% | 34.75% | 33.64% | 41.89% | 26.48% | 27.31% | -744 bps | |