San Jose, CA · Charter 13767
Q3 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 1996 | Q1 1997 | Q2 1997 | Q3 1997 | Q4 1997 | Q1 1998 | Q2 1998 | Q3 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.03% | 4.10% | 4.24% | 4.17% | 4.16% | 4.18% | 4.24% | 4.24% | +7 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) | 10.52% | 10.91% | 10.12% | 13.15% | 11.90% | 11.61% | 13.27% | 10.62% | -253 bps | |
| Loan Growth (YoY) | 29.80% | 27.50% | 12.99% | 12.57% | 15.64% | 17.54% | 16.77% | 14.88% | +231 bps | |
| Share Growth (YoY) | 9.46% | 9.67% | 8.79% | 12.26% | 11.09% | 10.94% | 10.19% | 7.35% | -492 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.25% | 0.43% | 0.37% | 0.33% | 0.30% | 0.28% | 0.29% | 0.36% | +3 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 | 0.76% | 0.88% | 0.92% | 0.96% | 0.97% | 1.02% | 1.02% | 0.99% | +3 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 | 67.76% | 65.08% | 67.24% | 67.79% | 70.54% | 68.95% | 71.26% | 72.54% | +476 bps | |
| Liquid Assets / Assets | 21.41% | 24.67% | 21.98% | 21.09% | 20.98% | 25.23% | 20.67% | 21.75% | +67 bps | |