PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Pacific Bank National Assn

San Francisco, CA · Cert 24706

FDIC

Q4 1999

$772.3MAssets
$464.4MLoans
$682.5MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.51%, up 6 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 68.05% of deposits as of Q4 1999.

Return on Assets (YTD, annualized)

0.51%+6 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 1998Q2 1998Q3 1998Q4 1998Q1 1999Q2 1999Q3 1999Q4 1999YoY ΔTrend
Earnings
Return on Assets1.17%1.20%1.19%0.45%1.05%1.08%0.81%0.51%+6 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)17.12%7.09%16.67%18.09%19.26%24.23%5.59%8.39%-970 bps
Loan Growth (YoY)20.59%17.38%28.79%22.24%18.45%21.25%8.28%-1.64%-2,388 bps
Deposit Growth (YoY)17.76%6.49%17.69%20.76%24.66%30.68%8.29%11.54%-922 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 / Deposits82.94%83.74%77.88%77.16%78.81%77.70%77.87%68.05%-912 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