Newport Beach, CA · Charter 3321
Q2 1999
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.14% | 4.46% | 4.57% | 3.64% | 3.93% | 3.32% | 2.94% | 3.47% | -17 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | 9.40% | 10.37% | 9.03% | 3.96% | 8.92% | 22.91% | 22.40% | +1,337 bps | |
| Loan Growth (YoY) | n/a | -0.88% | -0.63% | 2.08% | 4.90% | 15.91% | 26.39% | 14.17% | +1,208 bps | |
| Share Growth (YoY) | n/a | 8.00% | 8.76% | 8.06% | 2.68% | 8.12% | 25.07% | 24.99% | +1,693 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.76% | 1.00% | 2.34% | 0.93% | 1.03% | 0.44% | 0.22% | 0.28% | -65 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.58% | 1.70% | 1.65% | 1.58% | 1.47% | 1.24% | 0.90% | 0.95% | -63 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 59.62% | 50.69% | 54.47% | 53.59% | 60.91% | 54.34% | 55.05% | 48.95% | -464 bps | |
| Liquid Assets / Assets | 22.80% | 22.85% | 9.00% | 21.13% | 29.42% | 17.52% | 24.54% | 16.61% | -452 bps | |