Los Angeles, CA · Charter 21389
Q3 2000
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 1998 | Q1 1999 | Q2 1999 | Q3 1999 | Q4 1999 | Q1 2000 | Q2 2000 | Q3 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.02% | 4.77% | 4.33% | 1.32% | 1.14% | 1.32% | 1.85% | 1.76% | +44 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 | 3.91% | 3.20% | 4.37% | 4.72% | 4.14% | +23 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 71.99% | 70.99% | 72.83% | 68.38% | 67.59% | -440 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 24.90% | 29.49% | 27.94% | 17.24% | 40.29% | 8.51% | 8.16% | 22.12% | +488 bps | |
| Loan Growth (YoY) | 31.27% | 7.16% | 11.62% | 17.86% | 24.70% | 58.60% | 55.60% | 32.02% | +1,416 bps | |
| Share Growth (YoY) | 27.63% | 29.12% | 28.66% | 16.34% | 7.06% | 7.48% | 6.41% | 17.52% | +118 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.28% | 0.44% | 0.57% | 0.46% | 0.51% | 0.39% | 0.38% | 0.32% | -14 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 | 0.87% | 1.12% | 1.22% | 0.91% | 0.82% | 0.85% | 0.88% | 0.72% | -19 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 | 91.68% | 68.22% | 66.89% | 95.23% | 106.78% | 100.67% | 97.81% | 106.98% | +1,175 bps | |
| Liquid Assets / Assets | 11.87% | 34.89% | 34.73% | 9.93% | 20.54% | 0.51% | 8.62% | 0.49% | -944 bps | |