Long Beach, CA · Charter 579
Q3 2000
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 1998 | Q1 1999 | Q2 1999 | Q3 1999 | Q4 1999 | Q1 2000 | Q2 2000 | Q3 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.00% | 4.24% | 4.18% | 1.40% | 1.25% | 0.56% | 0.61% | 0.57% | -82 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 | 3.52% | 3.55% | 3.48% | 3.42% | 3.43% | -9 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 62.07% | 63.92% | 72.56% | 72.64% | 74.03% | +1,196 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.72% | 8.14% | 11.38% | 10.59% | 5.99% | 8.31% | 5.33% | 8.15% | -244 bps | |
| Loan Growth (YoY) | 14.13% | 15.04% | 12.02% | 11.09% | 8.38% | 5.91% | 6.82% | 7.62% | -347 bps | |
| Share Growth (YoY) | 9.16% | 8.34% | 11.65% | 9.51% | 4.93% | 6.97% | 4.39% | 8.04% | -147 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.88% | 0.73% | 0.78% | 0.87% | 2.73% | 0.87% | 0.76% | 0.90% | +4 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 | 1.02% | 1.06% | 1.07% | 1.09% | 1.13% | 1.25% | 1.29% | 1.32% | +23 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 | 57.65% | 56.18% | 54.44% | 59.54% | 59.55% | 55.62% | 55.70% | 59.31% | -23 bps | |
| Liquid Assets / Assets | 7.36% | 7.96% | 8.88% | 7.86% | 11.51% | 15.25% | 14.13% | 12.10% | +424 bps | |