San Jose, CA · Charter 14338
Q4 1998
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 1997 | Q2 1997 | Q3 1997 | Q4 1997 | Q1 1998 | Q2 1998 | Q3 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.28% | 4.39% | 4.48% | 4.54% | 4.39% | 4.47% | 4.54% | 4.41% | -13 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) | 12.56% | 9.59% | 10.88% | 10.74% | 11.46% | 12.41% | 10.89% | 13.26% | +253 bps | |
| Loan Growth (YoY) | 14.08% | 16.30% | 16.39% | 19.02% | 17.09% | 10.24% | 6.73% | 5.04% | -1,399 bps | |
| Share Growth (YoY) | 12.66% | 9.29% | 10.39% | 10.00% | 10.95% | 11.64% | 10.30% | 13.29% | +329 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.60% | 0.52% | 0.43% | 0.35% | 0.37% | 0.39% | 0.37% | 0.37% | +1 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 | 1.28% | 1.26% | 1.23% | 1.21% | 1.24% | 1.14% | 1.06% | 0.97% | -23 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 | 72.56% | 78.53% | 81.02% | 82.77% | 76.57% | 77.54% | 78.40% | 76.74% | -603 bps | |
| Liquid Assets / Assets | 11.51% | 10.28% | 12.14% | 10.08% | 16.48% | 12.23% | 12.93% | 18.69% | +861 bps | |