Paramount, CA · Charter 22690
Q2 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 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.20% | 3.22% | 2.52% | 3.28% | 3.86% | 3.33% | 0.96% | -0.44% | -372 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 | 4.88% | 5.49% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 73.67% | 63.44% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -14.34% | -9.88% | 65.10% | 50.96% | 40.41% | 40.89% | -9.00% | -19.26% | -7,022 bps | |
| Loan Growth (YoY) | -14.39% | 5.02% | 44.94% | -4.45% | 1.97% | 17.39% | -19.35% | -9.00% | -455 bps | |
| Share Growth (YoY) | -19.77% | -13.57% | 77.23% | 59.37% | 48.11% | 46.02% | -12.77% | -23.50% | -8,287 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.47% | 1.26% | 0.52% | 0.99% | 0.16% | 1.39% | 7.91% | 8.30% | +731 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 | 1.71% | 1.93% | 0.87% | 1.39% | 0.94% | 0.80% | 1.51% | 4.20% | +281 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 | 83.70% | 79.37% | 61.61% | 52.21% | 57.63% | 63.81% | 56.96% | 62.11% | +990 bps | |
| Liquid Assets / Assets | 11.30% | 29.42% | 43.38% | 50.08% | 47.21% | 41.86% | 40.22% | 29.85% | -2,023 bps | |