PackageTrendsPeer
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Scripps Bank

La Jolla, CA · Cert 24888

FDIC

Q3 2000

$685.9MAssets
$429.3MLoans
$618.3MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.29%, up 24 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 69.43% of deposits as of Q3 2000.

Return on Assets (YTD, annualized)

1.29%+24 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 1998Q1 1999Q2 1999Q3 1999Q4 1999Q1 2000Q2 2000Q3 2000YoY ΔTrend
Earnings
Return on Assets1.14%1.04%1.02%1.05%0.77%1.18%1.18%1.29%+24 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)50.52%50.03%30.66%7.76%8.30%8.72%22.95%16.25%+849 bps
Loan Growth (YoY)39.36%40.35%33.90%19.37%16.65%12.75%15.04%12.49%-687 bps
Deposit Growth (YoY)50.30%51.05%30.01%7.73%9.68%9.11%20.19%14.49%+676 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 / Deposits63.28%64.56%70.64%70.66%67.30%66.72%67.61%69.43%-123 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