PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

1st Pacific

Vallejo, CA · Charter 1119

Q3 1999

$103.9MAssets
$86.5MLoans
$95.3MShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 0.81%, down 259 bps year over year; NIM at 4.54%.
  • Asset quality: problem loans at 0.50% of loans (-26 bps YoY).
  • Funding: loans stand at 90.77% of shares as of Q3 1999.

Return on Assets (quarter, annualized)

0.81%-259 bps YoY

Net Interest Margin (quarter, annualized)

4.54%
n/a

Efficiency Ratio (quarter, annualized)

74.46%
n/a

Net Worth / Assets

n/a
n/a

Discrete quarter, annualized.

MetricQ4 1997Q1 1998Q2 1998Q3 1998Q4 1998Q1 1999Q2 1999Q3 1999YoY ΔTrend
Earnings
Return on Assets3.22%3.12%3.37%3.40%3.23%3.31%3.48%0.81%-259 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a4.54%n/an/a
Efficiency Ration/an/an/an/an/an/an/a74.46%n/an/a
Growth
Asset Growth (YoY)-2.32%-1.36%-0.84%1.59%7.52%4.80%6.16%4.68%+309 bps
Loan Growth (YoY)-0.54%-1.96%-1.09%1.36%0.32%2.19%4.75%9.28%+793 bps
Share Growth (YoY)-1.88%-0.99%-0.28%2.22%7.88%4.93%6.33%4.25%+203 bps
Asset Quality
Delinquent Loans / Loans1.24%1.11%0.89%0.76%0.85%0.68%0.58%0.50%-26 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.25%1.44%1.29%1.41%1.38%1.25%1.21%1.20%-21 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares90.24%85.98%86.66%86.59%83.91%83.73%85.37%90.77%+418 bps
Liquid Assets / Assets4.35%10.43%7.85%13.77%13.10%7.34%6.67%2.04%-1,173 bps