Brea, CA · Charter 62944
Q4 2000
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.15% | 3.52% | 1.88% | 3.21% | 3.15% | 0.99% | 1.59% | 1.06% | -215 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 12.98% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | 5.29% | 5.60% | 5.64% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 82.22% | 75.41% | 82.86% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 38.83% | 19.81% | 28.31% | 26.67% | 35.84% | 39.18% | 38.11% | 30.28% | +361 bps | |
| Loan Growth (YoY) | 23.11% | 36.87% | 25.74% | 20.40% | 19.90% | 12.12% | 37.64% | 47.62% | +2,723 bps | |
| Share Growth (YoY) | 38.72% | 17.74% | 26.88% | 24.88% | 34.54% | 38.86% | 38.01% | 28.68% | +380 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.11% | 1.33% | 1.78% | 1.71% | 0.94% | 0.43% | 1.19% | 1.00% | -71 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 | 0.71% | 0.60% | 0.94% | 0.95% | 0.74% | 0.80% | 0.80% | 0.68% | -27 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 8.16% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 8.16% | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 83.07% | 93.20% | 77.45% | 76.65% | 74.04% | 75.25% | 77.25% | 87.93% | +1,128 bps | |
| Liquid Assets / Assets | 15.04% | 4.58% | 24.98% | 22.41% | 28.55% | 5.81% | 24.18% | 14.00% | -841 bps | |