Chula Vista, CA · Charter 4449
Q4 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 | Q1 1998 | Q2 1998 | Q3 1998 | Q4 1998 | Q1 1999 | Q2 1999 | Q3 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 5.28% | 6.53% | 5.94% | 5.57% | 4.44% | 4.54% | 1.22% | 1.17% | -440 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 | 3.55% | 3.64% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 68.30% | 69.47% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.47% | 5.54% | 5.42% | 4.09% | 5.47% | 2.55% | 1.46% | -2.14% | -622 bps | |
| Loan Growth (YoY) | 1.44% | -7.87% | -7.97% | -6.33% | -7.03% | 2.28% | 3.00% | 4.37% | +1,070 bps | |
| Share Growth (YoY) | 4.26% | 3.56% | 3.56% | 2.18% | 3.77% | 1.57% | 0.50% | -3.31% | -548 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.46% | 0.54% | 0.96% | 1.06% | 0.38% | 0.30% | 0.17% | 0.24% | -82 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 | 1.23% | 0.75% | 0.75% | 0.73% | 0.73% | 0.72% | 0.82% | 0.87% | +14 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 | 75.50% | 69.82% | 69.61% | 68.91% | 67.65% | 70.31% | 71.35% | 74.38% | +547 bps | |
| Liquid Assets / Assets | 21.48% | 26.33% | 29.36% | 22.59% | 22.17% | 16.73% | 0.99% | 2.55% | -2,005 bps | |