PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Sunrise First

Pomona, CA · Charter 3589

Q2 1996

$3.1MAssets
$1.8MLoans
$3.0MShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of -0.20%, down 274 bps year over year.
  • Asset quality: problem loans at 5.96% of loans (+459 bps YoY).
  • Funding: loans stand at 61.94% of shares as of Q2 1996.

Return on Assets (quarter, annualized)

-0.20%-274 bps YoY

Net Interest Margin (quarter, annualized)

n/a
n/a

Efficiency Ratio (quarter, annualized)

n/a
n/a

Net Worth / Assets

n/a
n/a

Discrete quarter, annualized.

MetricQ2 1994Q4 1994Q2 1995Q4 1995Q2 1996YoY ΔTrend
Earnings
Return on Assets2.54%2.28%0.83%1.86%-0.20%-274 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/an/a-7.88%n/an/a
Loan Growth (YoY)n/an/an/an/a-23.68%n/an/a
Share Growth (YoY)n/an/an/an/a-5.58%n/an/a
Asset Quality
Delinquent Loans / Loans1.37%1.38%3.88%0.66%5.96%+459 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.61%1.24%1.98%1.90%4.08%+247 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares76.63%85.17%79.72%63.79%61.94%-1,469 bps
Liquid Assets / Assets0.00%0.00%19.33%31.59%25.71%+2,571 bps