PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

National Bank of Southern CA

Newport Beach, CA · Cert 24314

FDIC

Q3 1997

$449.0MAssets
$283.1MLoans
$410.8MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.32%, up 36 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 68.91% of deposits as of Q3 1997.

Return on Assets (YTD, annualized)

1.32%+36 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 1995Q1 1996Q2 1996Q3 1996Q4 1996Q1 1997Q2 1997Q3 1997YoY ΔTrend
Earnings
Return on Assets-0.96%0.60%1.11%0.96%1.12%1.09%1.18%1.32%+36 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)11.13%12.92%10.28%7.62%5.15%6.36%27.73%28.54%+2,092 bps
Loan Growth (YoY)-3.86%-5.11%-0.54%3.03%9.05%13.69%45.16%44.06%+4,103 bps
Deposit Growth (YoY)11.24%13.48%10.55%6.61%3.33%5.33%25.97%27.92%+2,131 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 / Deposits60.69%60.61%58.90%61.19%64.05%65.43%67.87%68.91%+772 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