PackageTrendsPeer
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Firstplus Bank

Tustin, CA · Cert 25727

FDIC

Q1 2001

$85.7MAssets
$27.8MLoans
$61.8MDeposits
$21.7MEquity
Deposit mix
100%Interest-bearing $61.6M0%Noninterest $0.2MQ2 1999Q1 2001

Executive Summary

  • Earnings: ROA of 5.59%, up 541 bps year over year; NIM at 1.77%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 45.04% of deposits as of Q1 2001.

Return on Assets (quarter, annualized)

5.59%+541 bps YoY

Net Interest Margin (quarter, annualized)

1.77%
n/a

Efficiency Ratio (quarter, annualized)

81.23%
n/a

Tier 1 Leverage Ratio

n/a
n/a

NIM

Non-interest income vs. expense

Discrete quarter, annualized.

MetricQ2 1999Q3 1999Q4 1999Q1 2000Q2 2000Q3 2000Q4 2000Q1 2001YoY ΔTrend
Earnings
Return on Assets-0.57%-0.10%-0.09%0.18%-0.34%-1.13%-3.66%5.59%+541 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a1.77%n/an/a
Efficiency Ration/an/an/an/an/an/an/a81.23%n/an/a
Non-Interest Burdenn/an/an/an/an/an/an/a0.04%n/an/a
Growth
Asset Growth (YoY)-29.74%-19.31%-17.22%2.96%-1.02%-15.99%-19.04%-63.21%-6,617 bps
Loan Growth (YoY)-50.17%-63.07%-24.35%-31.44%-42.45%-18.23%-45.10%-62.63%-3,119 bps
Deposit Growth (YoY)-31.05%-19.54%-18.66%-1.94%-16.82%-17.28%-18.09%-67.81%-6,588 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/a0.00%n/an/a
Allowance / Loansn/an/an/an/an/an/an/a0.00%n/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/a62.75%n/an/a
Equity / Assetsn/an/an/an/an/an/an/a25.33%n/an/a
Liquidity & Funding
Loans / Deposits57.31%38.21%37.13%38.79%39.65%37.78%24.88%45.04%+625 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.11%+11 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a