PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Business&Professional Bank

Woodland, CA · Cert 24220

FDIC

Q2 1997

$221.5MAssets
$115.6MLoans
$180.7MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.68%, up 4 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 63.97% of deposits as of Q2 1997.

Return on Assets (YTD, annualized)

0.68%+4 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.

MetricQ3 1995Q4 1995Q1 1996Q2 1996Q3 1996Q4 1996Q1 1997Q2 1997YoY ΔTrend
Earnings
Return on Assets0.91%0.80%0.73%0.65%0.84%0.82%0.87%0.68%+4 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)78.79%84.30%-1.83%-3.04%-3.99%2.01%1.99%7.71%+1,075 bps
Loan Growth (YoY)110.78%117.80%-1.51%-1.28%-3.73%-5.00%-5.49%-16.98%-1,570 bps
Deposit Growth (YoY)79.77%86.32%-1.66%-3.11%-4.77%1.61%1.13%-2.57%+54 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 / Deposits70.44%68.64%72.48%75.07%71.21%64.17%67.74%63.97%-1,110 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