San Diego, CA · Charter 3406
Q4 1997
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 1996 | Q2 1996 | Q3 1996 | Q4 1996 | Q1 1997 | Q2 1997 | Q3 1997 | Q4 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.17% | 4.26% | n/a | 4.32% | 4.25% | 4.41% | 4.49% | 4.44% | +13 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) | 10.66% | 7.73% | 5.80% | 5.09% | 3.32% | 3.47% | 5.05% | 8.54% | +345 bps | |
| Loan Growth (YoY) | 8.25% | 8.32% | 10.10% | 13.81% | 7.27% | 5.38% | 12.32% | 17.78% | +397 bps | |
| Share Growth (YoY) | 9.61% | 7.79% | 5.76% | 4.93% | 2.80% | 2.73% | 4.23% | 8.13% | +320 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.62% | 0.78% | 0.85% | 0.63% | 0.29% | 0.41% | 0.50% | 0.41% | -22 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 | 0.73% | 0.77% | 0.79% | 0.80% | 0.96% | 1.11% | 1.07% | 1.05% | +25 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 | 52.02% | 53.62% | 55.00% | 57.34% | 54.28% | 55.00% | 59.27% | 62.45% | +511 bps | |
| Liquid Assets / Assets | 37.82% | 34.16% | 35.13% | 30.55% | 32.35% | 34.03% | 28.19% | 26.25% | -429 bps | |