PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First Pacific National Bank

Escondido, CA · Cert 23810

FDIC

Q1 1998

$363.9MAssets
$231.3MLoans
$331.5MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.47%, up 11 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 69.79% of deposits as of Q1 1998.

Return on Assets (YTD, annualized)

1.47%+11 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 1996Q3 1996Q4 1996Q1 1997Q2 1997Q3 1997Q4 1997Q1 1998YoY ΔTrend
Earnings
Return on Assets2.23%2.02%1.88%1.35%1.41%1.46%1.52%1.47%+11 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)23.93%40.20%48.12%53.70%23.28%22.22%14.57%12.01%-4,169 bps
Loan Growth (YoY)35.52%42.14%48.58%51.28%19.72%17.24%8.05%4.11%-4,718 bps
Deposit Growth (YoY)24.25%41.18%41.82%53.42%22.31%18.48%16.88%13.34%-4,008 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 / Deposits76.33%73.21%79.21%75.98%74.72%72.44%73.23%69.79%-619 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