PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Industrial Bank

Los Angeles, CA · Cert 24796

FDIC

Q3 1998

$29.7MAssets
$14.0MLoans
$28.4MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of -3.43%, down 214 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 49.29% of deposits as of Q3 1998.

Return on Assets (YTD, annualized)

-3.43%-214 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 Assets-0.10%-0.98%-0.84%-1.29%-3.87%-2.35%-2.44%-3.43%-214 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)-0.18%-1.27%-4.47%-3.75%-6.42%-16.85%-13.47%-19.55%-1,580 bps
Loan Growth (YoY)-18.39%-3.17%27.78%32.78%22.61%0.87%-8.85%-32.17%-6,494 bps
Deposit Growth (YoY)0.22%-0.31%0.03%-3.06%-3.14%-14.28%-10.05%-15.83%-1,278 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 / Deposits49.42%59.82%60.69%61.16%62.56%70.39%61.50%49.29%-1,187 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