PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Valle de Oro Bank NA

Spring Valley, CA · Cert 24385

FDIC

Q2 2000

$237.0MAssets
$152.3MLoans
$213.6MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.75%, up 59 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 71.27% of deposits as of Q2 2000.

Return on Assets (YTD, annualized)

1.75%+59 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 1998Q4 1998Q1 1999Q2 1999Q3 1999Q4 1999Q1 2000Q2 2000YoY ΔTrend
Earnings
Return on Assets1.01%1.07%1.08%1.15%1.12%0.68%1.84%1.75%+59 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)14.91%15.05%11.89%9.22%8.48%4.80%5.59%-4.32%-1,354 bps
Loan Growth (YoY)18.21%11.03%17.15%16.34%13.82%12.51%3.30%-5.80%-2,214 bps
Deposit Growth (YoY)15.02%15.01%11.75%9.08%8.31%4.73%5.83%-5.60%-1,468 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 / Deposits68.39%69.18%70.30%71.43%71.88%74.32%68.63%71.27%-16 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