Tustin, CA · Charter 63165
Q3 1996
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 1994 | Q1 1995 | Q2 1995 | Q3 1995 | Q4 1995 | Q1 1996 | Q2 1996 | Q3 1996 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.24% | 3.24% | 3.56% | 3.74% | 3.96% | 3.36% | 3.71% | n/a | n/a | |
| 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) | n/a | -0.64% | -5.55% | -7.91% | -11.00% | -4.49% | -3.65% | -4.31% | +360 bps | |
| Loan Growth (YoY) | n/a | 29.34% | 20.60% | 9.81% | -0.59% | -1.53% | 0.75% | -4.22% | -1,403 bps | |
| Share Growth (YoY) | n/a | -4.39% | -4.42% | -6.84% | -4.34% | -1.36% | -3.97% | -4.96% | +189 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.83% | 1.00% | 0.75% | 0.82% | 1.27% | 1.01% | 0.98% | 0.70% | -13 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 | 2.07% | 2.14% | 1.97% | 2.01% | 1.97% | 2.12% | 1.93% | 1.93% | -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 | 71.83% | 73.38% | 72.84% | 72.03% | 74.65% | 73.26% | 76.42% | 72.59% | +56 bps | |
| Liquid Assets / Assets | 13.08% | 21.44% | 19.91% | 19.84% | 16.96% | 14.24% | 8.42% | 12.82% | -702 bps | |