PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Pacific IBM Employees

San Jose, CA · Charter 14338

Q4 1998

$510.1MAssets
$354.7MLoans
$462.2MShares
n/aNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 4.41%, down 13 bps year over year.
  • Asset quality: problem loans at 0.37% of loans (+1 bps YoY).
  • Funding: loans stand at 76.74% of shares as of Q4 1998.

Financial Results

Return on Assets (YTD, annualized)

4.41%-13 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ4 1997Q1 1998Q2 1998Q3 1998Q4 1998YoY ΔTrend
Earnings
Return on Assets4.54%4.39%4.47%4.54%4.41%-13 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)10.74%11.46%12.41%10.89%13.26%+253 bps
Loan Growth (YoY)19.02%17.09%10.24%6.73%5.04%-1,399 bps
Share Growth (YoY)10.00%10.95%11.64%10.30%13.29%+329 bps
Asset Quality
Delinquent Loans / Loans0.35%0.37%0.39%0.37%0.37%+1 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.21%1.24%1.14%1.06%0.97%-23 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares82.77%76.57%77.54%78.40%76.74%-603 bps
Liquid Assets / Assets10.08%16.48%12.23%12.93%18.69%+861 bps