PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Lamorinda National Bank

Lafayette, CA · Cert 24317

FDIC

Q4 1996

$168.5MAssets
$105.2MLoans
$154.7MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.90%, down 93 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 68.04% of deposits as of Q4 1996.

Return on Assets (YTD, annualized)

0.90%-93 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.

MetricQ1 1995Q2 1995Q3 1995Q4 1995Q1 1996Q2 1996Q3 1996Q4 1996YoY ΔTrend
Earnings
Return on Assets1.86%1.81%1.92%1.82%1.59%0.02%0.69%0.90%-93 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)-2.85%19.77%24.01%24.02%31.26%6.13%6.79%7.69%-1,633 bps
Loan Growth (YoY)12.68%17.01%15.34%20.79%27.90%6.85%5.03%5.08%-1,571 bps
Deposit Growth (YoY)-4.60%20.22%24.71%26.08%34.52%5.55%6.19%5.97%-2,011 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 / Deposits79.29%73.21%71.83%68.61%75.39%74.12%71.04%68.04%-57 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