Covina, CA · Charter 62462
Q4 1998
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 1997 | Q2 1997 | Q3 1997 | Q4 1997 | Q1 1998 | Q2 1998 | Q3 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.54% | 4.16% | 4.27% | 4.26% | 4.88% | 4.58% | 4.58% | 4.50% | +23 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) | 5.60% | 10.22% | 8.81% | 9.11% | 12.02% | 6.97% | 6.15% | 7.96% | -116 bps | |
| Loan Growth (YoY) | 14.00% | 11.74% | 7.42% | 7.88% | 6.46% | 6.20% | 6.99% | 5.36% | -251 bps | |
| Share Growth (YoY) | 5.15% | 10.67% | 13.55% | 13.51% | 13.07% | 7.26% | 5.97% | 8.26% | -525 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.30% | 0.86% | 0.85% | 0.75% | 0.74% | 0.56% | 0.44% | 0.37% | -38 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 | 0.92% | 0.85% | 0.86% | 0.82% | 0.74% | 0.70% | 0.66% | 0.59% | -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 | 88.69% | 85.46% | 85.11% | 86.23% | 83.51% | 84.62% | 85.93% | 83.93% | -231 bps | |
| Liquid Assets / Assets | 6.87% | 9.37% | 9.39% | 6.29% | 8.39% | 7.28% | 7.63% | 10.56% | +427 bps | |