PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

South Valley National Bank

Morgan Hill, CA · Cert 24643

FDIC

Q3 1998

$234.0MAssets
$133.6MLoans
$211.9MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.35%, down 18 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 63.05% of deposits as of Q3 1998.

Return on Assets (YTD, annualized)

1.35%-18 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 1996Q1 1997Q2 1997Q3 1997Q4 1997Q1 1998Q2 1998Q3 1998YoY ΔTrend
Earnings
Return on Assets1.06%1.42%1.55%1.53%1.40%1.31%1.34%1.35%-18 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)8.40%10.91%14.99%17.87%16.46%16.52%13.98%8.61%-926 bps
Loan Growth (YoY)31.99%43.12%39.36%20.82%6.44%-0.77%-0.46%8.84%-1,198 bps
Deposit Growth (YoY)7.24%10.20%15.12%18.39%18.35%18.31%15.14%8.75%-964 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 / Deposits67.35%71.42%70.05%62.99%60.58%59.90%60.55%63.05%+5 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