Riverside, CA · Charter 6119
Q2 1998
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 1996 | Q4 1996 | Q1 1997 | Q2 1997 | Q3 1997 | Q4 1997 | Q1 1998 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | n/a | 3.66% | 3.61% | 3.27% | 3.42% | 3.54% | 2.43% | 2.13% | -114 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) | -8.90% | -6.54% | -2.91% | -0.58% | -0.54% | 1.50% | 2.50% | 4.06% | +463 bps | |
| Loan Growth (YoY) | -8.55% | -5.78% | -4.19% | -0.60% | 5.54% | 6.05% | 3.53% | 4.99% | +560 bps | |
| Share Growth (YoY) | -10.52% | -7.36% | -4.07% | -1.43% | -1.56% | 0.82% | 2.15% | 3.75% | +518 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.07% | 0.83% | 0.62% | 0.75% | 0.63% | 0.26% | 0.05% | 0.26% | -49 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 | 1.64% | 1.52% | 1.37% | 1.49% | 1.42% | 1.30% | 1.50% | 1.57% | +8 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 | 81.16% | 83.20% | 80.58% | 78.46% | 87.02% | 87.52% | 81.66% | 79.40% | +94 bps | |
| Liquid Assets / Assets | 15.02% | 13.30% | 16.46% | 19.14% | 10.81% | 10.42% | 17.49% | 20.80% | +166 bps | |