PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

California State Bank

Covina, CA · Cert 23888

FDIC

Q3 1998

$886.2MAssets
$467.1MLoans
$726.0MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.66%, down 48 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 64.34% of deposits as of Q3 1998.

Return on Assets (YTD, annualized)

0.66%-48 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.

MetricQ4 1996Q1 1997Q2 1997Q3 1997Q4 1997Q1 1998Q2 1998Q3 1998YoY ΔTrend
Earnings
Return on Assets1.01%1.04%1.10%1.14%1.18%1.19%0.23%0.66%-48 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)51.00%62.09%3.12%10.06%12.66%8.17%15.40%9.83%-23 bps
Loan Growth (YoY)43.81%44.95%0.78%1.26%3.80%4.30%6.95%7.76%+650 bps
Deposit Growth (YoY)54.85%67.96%2.72%4.05%5.58%0.30%8.46%8.60%+455 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 / Deposits64.19%60.19%64.40%64.84%63.11%62.60%63.51%64.34%-50 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