Los Angeles, CA · Charter 1437
Q3 1999
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 1997 | Q1 1998 | Q2 1998 | Q3 1998 | Q4 1998 | Q1 1999 | Q2 1999 | Q3 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.63% | 4.16% | 4.32% | 4.36% | 4.28% | 3.94% | 3.94% | 0.33% | -404 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 | 2.98% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 90.25% | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.74% | 0.99% | 2.12% | 1.68% | 3.84% | 5.24% | 3.99% | 3.26% | +158 bps | |
| Loan Growth (YoY) | -3.75% | -5.63% | -9.99% | -2.10% | 4.18% | 13.53% | 24.20% | 21.18% | +2,327 bps | |
| Share Growth (YoY) | 1.06% | 0.37% | 1.91% | 1.12% | 3.21% | 4.86% | 3.52% | 3.11% | +199 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.12% | 1.04% | 0.92% | 0.84% | 0.16% | 0.23% | 0.25% | 0.22% | -62 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 | 0.99% | 1.08% | 1.01% | 0.83% | 0.82% | 0.71% | 0.59% | 0.56% | -28 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 | 55.68% | 52.50% | 50.89% | 55.89% | 56.20% | 56.84% | 61.06% | 65.68% | +979 bps | |
| Liquid Assets / Assets | 24.65% | 21.71% | 14.31% | 15.39% | 20.41% | 21.04% | 21.18% | 19.57% | +418 bps | |