PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Westside Bank

Tracy, CA · Cert 23394

FDIC

Q4 1996

$90.5MAssets
$50.7MLoans
$80.3MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.74%, down 74 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 63.12% of deposits as of Q4 1996.

Return on Assets (YTD, annualized)

0.74%-74 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.

MetricQ1 1995Q2 1995Q3 1995Q4 1995Q1 1996Q2 1996Q3 1996Q4 1996YoY ΔTrend
Earnings
Return on Assets1.25%1.38%1.44%1.49%1.64%-0.33%0.41%0.74%-74 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)16.24%15.88%12.77%17.60%5.28%7.67%5.55%-5.17%-2,277 bps
Loan Growth (YoY)20.34%20.41%21.59%15.66%15.54%5.16%0.59%-11.00%-2,666 bps
Deposit Growth (YoY)17.46%19.76%14.74%21.64%6.29%7.79%5.07%-6.96%-2,861 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 / Deposits69.21%74.28%69.28%65.98%75.23%72.47%66.33%63.12%-286 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