Santa Ana, CA · Charter 23936
Q3 1999
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 1997 | Q1 1998 | Q2 1998 | Q3 1998 | Q4 1998 | Q1 1999 | Q2 1999 | Q3 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.34% | 4.34% | 4.39% | 4.37% | 4.23% | 4.49% | 4.54% | 1.22% | -315 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 | n/a | 4.06% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 61.80% | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.79% | 10.48% | 11.25% | 12.49% | 13.69% | 16.93% | 15.99% | 23.44% | +1,096 bps | |
| Loan Growth (YoY) | 0.64% | 1.26% | 3.79% | 9.14% | 5.04% | 1.27% | 0.71% | 19.29% | +1,015 bps | |
| Share Growth (YoY) | 10.33% | 9.60% | 9.90% | 12.78% | 14.50% | 18.03% | 18.34% | 16.96% | +418 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.35% | 1.27% | 0.93% | 1.05% | 0.74% | 0.41% | 0.29% | 0.18% | -87 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 | 1.23% | 1.42% | 1.38% | 1.45% | 1.53% | 1.66% | 1.70% | 1.49% | +4 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 | 75.94% | 77.48% | 77.50% | 75.05% | 69.66% | 66.48% | 65.95% | 76.55% | +150 bps | |
| Liquid Assets / Assets | 15.46% | 16.23% | 18.61% | 15.64% | 17.10% | 20.60% | 20.35% | 18.62% | +298 bps | |