PackageTrendsPeer
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Sierra Vista

Monrovia, CA · Charter 15371

Q2 1996

$12.2MAssets
$5.8MLoans
$9.7MShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 2.48%, down 82 bps year over year.
  • Asset quality: problem loans at 1.98% of loans (+21 bps YoY).
  • Funding: loans stand at 60.32% of shares as of Q2 1996.

Return on Assets (quarter, annualized)

2.48%-82 bps YoY

Net Interest Margin (quarter, annualized)

n/a
n/a

Efficiency Ratio (quarter, annualized)

n/a
n/a

Net Worth / Assets

n/a
n/a

Discrete quarter, annualized.

MetricQ2 1994Q4 1994Q2 1995Q4 1995Q2 1996YoY ΔTrend
Earnings
Return on Assets3.30%2.80%3.18%3.13%2.48%-82 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)n/an/an/an/a-16.11%n/an/a
Loan Growth (YoY)n/an/an/an/a-1.66%n/an/a
Share Growth (YoY)n/an/an/an/a-18.76%n/an/a
Asset Quality
Delinquent Loans / Loans1.77%1.95%2.32%2.11%1.98%+21 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.23%1.40%1.31%1.89%1.94%+71 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 / Shares49.83%52.54%56.04%58.72%60.32%+1,049 bps
Liquid Assets / Assets44.17%49.98%40.87%39.28%35.27%-890 bps