West Covina, CA · Charter 21576
Q1 1999
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 | Q2 1997 | Q3 1997 | Q4 1997 | Q1 1998 | Q2 1998 | Q3 1998 | Q4 1998 | Q1 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.60% | 4.85% | 4.72% | 4.62% | 4.42% | 4.73% | 4.55% | 4.12% | -49 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 | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.36% | 10.97% | 10.82% | 12.84% | 15.72% | 13.64% | 16.52% | 14.24% | +140 bps | |
| Loan Growth (YoY) | 9.46% | 9.63% | 9.82% | 10.55% | 11.99% | 12.56% | 18.06% | 24.50% | +1,395 bps | |
| Share Growth (YoY) | 8.41% | 6.92% | 8.34% | 12.50% | 15.93% | 16.98% | 18.83% | 14.53% | +203 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.71% | 0.72% | 0.65% | 0.74% | 0.79% | 0.61% | 0.60% | 0.97% | +23 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 | 0.93% | 0.80% | 0.65% | 0.55% | 0.53% | 0.42% | 0.48% | 0.42% | -13 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 | 77.18% | 88.57% | 86.93% | 76.98% | 74.56% | 85.23% | 86.37% | 83.68% | +670 bps | |
| Liquid Assets / Assets | 15.98% | 7.29% | 10.18% | 18.17% | 20.36% | 13.32% | 13.04% | 16.55% | -161 bps | |