PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

C S A A Employees

San Francisco, CA · Charter 18967

Q4 1999

$28.4MAssets
$19.0MLoans
$25.4MShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 0.35%, down 352 bps year over year; NIM at 4.52%.
  • Asset quality: problem loans at 0.66% of loans (-64 bps YoY).
  • Funding: loans stand at 74.95% of shares as of Q4 1999.

Return on Assets (YTD, annualized)

0.35%-352 bps YoY

Net Interest Margin (YTD, annualized)

4.52%
n/a

Efficiency Ratio (YTD, annualized)

83.87%
n/a

Net Worth / Assets

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ2 1996Q4 1996Q2 1997Q4 1997Q2 1998Q4 1998Q2 1999Q4 1999YoY ΔTrend
Earnings
Return on Assets3.84%3.80%4.16%3.86%3.56%3.64%3.16%0.35%-352 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a4.52%n/an/a
Efficiency Ration/an/an/an/an/an/an/a83.87%n/an/a
Growth
Asset Growth (YoY)4.88%5.91%9.74%3.97%4.60%5.68%1.94%-0.97%-494 bps
Loan Growth (YoY)26.22%28.18%19.63%10.77%4.58%-7.15%-9.05%-7.86%-1,863 bps
Share Growth (YoY)3.71%4.51%8.35%2.99%3.69%4.92%3.00%1.65%-134 bps
Asset Quality
Delinquent Loans / Loans0.54%0.53%0.55%1.30%1.96%1.17%1.67%0.66%-64 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.77%0.77%0.76%1.06%1.17%1.10%1.01%0.74%-32 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares77.40%84.50%81.08%82.69%78.06%74.78%71.59%74.95%-774 bps
Liquid Assets / Assets15.16%11.37%10.80%14.22%14.15%11.32%4.36%3.10%-1,112 bps