PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Bank of Westminster

Westminster, CA · Cert 22978

FDIC

Q1 1996

$57.9MAssets
$36.4MLoans
$52.3MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.74%, down 1 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 69.59% of deposits as of Q1 1996.

Return on Assets (YTD, annualized)

0.74%-1 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Tier 1 Leverage Ratio

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ2 1994Q3 1994Q4 1994Q1 1995Q2 1995Q3 1995Q4 1995Q1 1996YoY ΔTrend
Earnings
Return on Assets0.70%0.69%0.76%0.74%0.70%0.60%0.81%0.74%-1 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Non-Interest Burdenn/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/a0.31%10.52%10.67%11.18%5.40%+509 bps
Loan Growth (YoY)n/an/an/a7.51%7.57%-1.82%3.41%0.39%-711 bps
Deposit Growth (YoY)n/an/an/a-0.88%9.57%10.29%11.70%4.60%+547 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits69.70%73.96%72.69%72.50%68.43%65.84%67.30%69.59%-291 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a