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San Gabriel Valley Bank

El Monte, CA · Cert 20882

FDIC

Q3 1997

$45.3MAssets
$28.6MLoans
$38.9MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.25%, up 76 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 73.39% of deposits as of Q3 1997.

Return on Assets (YTD, annualized)

1.25%+76 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 1995Q1 1996Q2 1996Q3 1996Q4 1996Q1 1997Q2 1997Q3 1997YoY ΔTrend
Earnings
Return on Assets0.84%0.16%0.58%0.50%0.78%1.01%1.13%1.25%+76 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)6.72%5.74%-2.26%-4.68%1.96%-0.22%-1.45%0.57%+525 bps
Loan Growth (YoY)9.12%3.29%1.41%-3.41%1.71%3.18%1.79%-4.33%-92 bps
Deposit Growth (YoY)5.98%5.71%-2.90%-5.38%2.07%-0.84%-2.92%-1.04%+434 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 / Deposits80.31%76.16%73.26%75.91%80.03%79.25%76.82%73.39%-252 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