Santa Monica, CA · Charter 62271
Q4 1999
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.22% | 3.24% | 3.01% | 2.07% | 2.26% | 2.43% | 2.04% | -3.60% | -566 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 | 5.24% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 110.50% | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.93% | 3.61% | 5.74% | -1.80% | -1.22% | 6.63% | 6.82% | 8.49% | +1,029 bps | |
| Loan Growth (YoY) | 29.74% | 5.49% | -1.04% | -7.25% | -8.52% | 5.86% | 28.15% | 38.95% | +4,620 bps | |
| Share Growth (YoY) | 2.57% | 2.18% | 4.64% | -2.08% | -0.52% | 7.62% | 8.18% | 12.96% | +1,504 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.30% | 3.84% | 2.86% | 2.12% | 3.33% | 3.47% | 2.34% | 1.82% | -30 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 | 2.21% | 2.37% | 2.03% | 2.46% | 3.15% | 2.90% | 2.31% | 3.76% | +130 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 | 74.83% | 74.40% | 73.91% | 73.38% | 68.81% | 73.18% | 87.55% | 90.27% | +1,688 bps | |
| Liquid Assets / Assets | 24.92% | 27.41% | 26.54% | 26.27% | 28.82% | 26.99% | 8.12% | 8.34% | -1,793 bps | |