San Jose, CA · Charter 24276
Q2 1998
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.34% | 3.72% | 3.57% | 4.37% | 4.16% | 4.39% | 4.14% | 2.96% | -141 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 | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | n/a | n/a | 17.38% | 27.40% | 19.22% | 3.64% | -3.89% | -2,127 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | 21.17% | 43.79% | 9.15% | -1.76% | -36.89% | -5,806 bps | |
| Share Growth (YoY) | n/a | n/a | n/a | 16.56% | 27.55% | 17.05% | 0.65% | -6.89% | -2,346 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 8.56% | 1.55% | 8.00% | 6.48% | 2.04% | 1.45% | 7.22% | 6.91% | +43 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 | 5.72% | 6.66% | 8.45% | 5.75% | 5.43% | 6.91% | 8.81% | 6.90% | +116 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 | 43.51% | 54.09% | 41.59% | 45.25% | 49.04% | 50.44% | 40.59% | 30.67% | -1,458 bps | |
| Liquid Assets / Assets | 35.92% | 34.06% | 41.57% | 45.23% | 45.15% | 40.03% | 49.12% | 62.94% | +1,772 bps | |