PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Southland Civic

Downey, CA · Charter 24514

Q3 1999

$135.8MAssets
$85.2MLoans
$118.2MShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 0.79%, down 325 bps year over year; NIM at 3.64%.
  • Asset quality: problem loans at 0.51% of loans (-39 bps YoY).
  • Funding: loans stand at 72.07% of shares as of Q3 1999.

Return on Assets (YTD, annualized)

0.79%-325 bps YoY

Net Interest Margin (YTD, annualized)

3.64%
n/a

Efficiency Ratio (YTD, annualized)

77.13%
n/a

Net Worth / Assets

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ4 1997Q1 1998Q2 1998Q3 1998Q4 1998Q1 1999Q2 1999Q3 1999YoY ΔTrend
Earnings
Return on Assets3.46%3.80%3.94%4.04%3.94%4.11%4.03%0.79%-325 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a3.64%n/an/a
Efficiency Ration/an/an/an/an/an/an/a77.13%n/an/a
Growth
Asset Growth (YoY)0.87%0.71%1.86%4.54%5.60%7.14%8.15%6.70%+216 bps
Loan Growth (YoY)-16.05%-12.64%-9.77%-5.09%8.96%9.12%10.27%8.06%+1,316 bps
Share Growth (YoY)-0.59%-0.55%0.76%3.57%5.28%7.28%8.32%7.16%+360 bps
Asset Quality
Delinquent Loans / Loans1.43%1.62%1.47%0.90%0.77%0.62%0.67%0.51%-39 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.52%1.54%1.45%1.15%1.08%0.98%0.95%0.90%-25 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares67.68%67.23%68.50%71.47%70.04%68.38%69.73%72.07%+60 bps
Liquid Assets / Assets17.00%10.02%11.69%13.16%17.78%7.25%6.76%14.32%+116 bps