San Diego, CA · Charter 2218
Q1 1998
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 1996 | Q3 1996 | Q4 1996 | Q1 1997 | Q2 1997 | Q3 1997 | Q4 1997 | Q1 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.17% | n/a | 4.36% | 4.08% | 4.22% | 4.35% | 4.20% | 3.70% | -37 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) | 6.86% | 3.11% | 3.84% | 6.80% | 7.68% | 8.03% | 10.68% | 11.35% | +456 bps | |
| Loan Growth (YoY) | 6.24% | 8.60% | 9.00% | 9.81% | 8.22% | 8.64% | 10.88% | 14.10% | +430 bps | |
| Share Growth (YoY) | 5.17% | 1.24% | 2.20% | 6.63% | 7.15% | 8.06% | 10.29% | 11.17% | +454 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.32% | 0.39% | 0.51% | 0.59% | 0.69% | 0.57% | 0.53% | 0.46% | -13 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 | 1.21% | 1.18% | 1.16% | 1.15% | 1.07% | 1.00% | 0.99% | 0.99% | -16 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 | 62.11% | 66.31% | 65.25% | 59.33% | 62.73% | 66.66% | 65.60% | 60.89% | +156 bps | |
| Liquid Assets / Assets | 22.52% | 23.63% | 24.94% | 28.13% | 26.53% | 21.66% | 21.34% | 33.95% | +582 bps | |