PackageTrendsPeer
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First Financial

West Covina, CA · Charter 21576

Q1 1999

$439.2MAssets
$329.3MLoans
$393.5MShares
n/aNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 4.12%, down 49 bps year over year.
  • Asset quality: problem loans at 0.97% of loans (+23 bps YoY).
  • Funding: loans stand at 83.68% of shares as of Q1 1999.

Financial Results

Return on Assets (YTD, annualized)

4.12%-49 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ1 1998Q2 1998Q3 1998Q4 1998Q1 1999YoY ΔTrend
Earnings
Return on Assets4.62%4.42%4.73%4.55%4.12%-49 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)12.84%15.72%13.64%16.52%14.24%+140 bps
Loan Growth (YoY)10.55%11.99%12.56%18.06%24.50%+1,395 bps
Share Growth (YoY)12.50%15.93%16.98%18.83%14.53%+203 bps
Asset Quality
Delinquent Loans / Loans0.74%0.79%0.61%0.60%0.97%+23 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.55%0.53%0.42%0.48%0.42%-13 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares76.98%74.56%85.23%86.37%83.68%+670 bps
Liquid Assets / Assets18.17%20.36%13.32%13.04%16.55%-161 bps