Chino, CA · Charter 13937
Q2 1998
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.77% | 5.01% | 4.35% | 2.42% | 0.75% | 2.28% | 2.52% | 0.54% | -188 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 | 17.68% | 14.50% | 32.59% | 33.19% | 11.94% | -574 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | 39.31% | 54.65% | 69.34% | 66.70% | 41.03% | +172 bps | |
| Share Growth (YoY) | n/a | n/a | n/a | 13.71% | 15.31% | 42.84% | 41.56% | 19.66% | +595 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.92% | 2.72% | 2.04% | 1.69% | 1.26% | 1.74% | 1.78% | 4.54% | +285 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 | 1.27% | 1.50% | 1.57% | 1.37% | 1.84% | 1.79% | 2.15% | 1.94% | +57 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 | 81.78% | 81.60% | 87.49% | 84.42% | 109.69% | 96.73% | 103.03% | 99.49% | +1,508 bps | |
| Liquid Assets / Assets | 4.49% | 5.25% | 11.16% | 14.25% | 4.04% | 6.41% | 6.33% | 6.61% | -764 bps | |