PackageTrendsPeer
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Bank of the Pacific

Long Beach, WA · Cert 20524

FDIC

Q3 2000

$117.6MAssets
$75.6MLoans
$98.9MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.80%, down 20 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 76.50% of deposits as of Q3 2000.

Return on Assets (YTD, annualized)

1.80%-20 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Tier 1 Leverage Ratio

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ4 1998Q1 1999Q2 1999Q3 1999Q4 1999Q1 2000Q2 2000Q3 2000YoY ΔTrend
Earnings
Return on Assets1.94%1.88%1.91%2.00%1.98%2.02%1.89%1.80%-20 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Non-Interest Burdenn/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)4.46%8.31%8.71%3.80%6.77%6.55%7.52%11.21%+741 bps
Loan Growth (YoY)4.85%0.12%-0.50%3.98%0.66%12.63%14.86%16.38%+1,240 bps
Deposit Growth (YoY)12.64%10.00%3.95%7.29%-1.24%6.97%8.56%6.32%-98 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits73.11%71.50%72.15%69.88%74.52%75.29%76.34%76.50%+662 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a