PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Bay Area Columbian

Sunnyvale, CA · Charter 24527

Q4 1997

$809KAssets
$481KLoans
$684KShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 4.53%, up 65 bps year over year.
  • Asset quality: problem loans at 10.78% of loans (+509 bps YoY).
  • Funding: loans stand at 70.24% of shares as of Q4 1997.

Return on Assets (YTD, annualized)

4.53%+65 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Net Worth / Assets

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ4 1994Q2 1995Q4 1995Q2 1996Q4 1996Q2 1997Q4 1997YoY ΔTrend
Earnings
Return on Assets3.13%4.15%3.89%3.63%3.63%5.03%4.53%+65 bps
Return on Equityn/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/an/a17.08%4.11%-5.46%n/a
Loan Growth (YoY)n/an/an/an/a21.59%10.86%-5.03%n/a
Share Growth (YoY)n/an/an/an/a18.17%3.64%-7.52%n/a
Asset Quality
Delinquent Loans / Loans8.83%4.27%5.69%2.67%4.14%1.32%10.78%+509 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/a
Allowance / Loans3.14%2.80%2.15%2.31%2.82%2.13%2.59%+44 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares64.95%71.61%68.41%61.71%66.83%76.59%70.24%+184 bps
Liquid Assets / Assets40.76%31.76%37.01%35.03%35.52%29.59%32.59%-443 bps