San Leandro, CA · Charter 16907
Q2 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 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.71% | 2.91% | 3.45% | 3.44% | 3.69% | 3.24% | 2.90% | 3.22% | -22 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 | 2.90% | 5.82% | 10.46% | 11.60% | -1.93% | -7.35% | -25.48% | -3,594 bps | |
| Loan Growth (YoY) | n/a | 38.82% | 38.95% | 14.02% | 3.41% | -1.51% | -18.07% | -29.68% | -4,370 bps | |
| Share Growth (YoY) | n/a | 0.66% | 3.75% | 15.88% | 12.16% | -3.47% | -8.50% | -29.06% | -4,494 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.97% | 0.09% | 1.76% | 1.88% | 1.65% | 1.23% | 0.60% | 0.47% | -141 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 | 2.21% | 1.88% | 2.01% | 1.61% | 1.44% | 0.95% | 1.05% | 0.73% | -88 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 | 89.30% | 76.05% | 85.00% | 78.93% | 82.34% | 77.60% | 76.12% | 78.23% | -69 bps | |
| Liquid Assets / Assets | 22.07% | 19.36% | 15.93% | 18.03% | 14.16% | 27.14% | 27.05% | 29.52% | +1,149 bps | |