Commerce, CA · Charter 64806
Q2 1998
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.57% | 3.68% | 3.44% | 3.52% | 3.58% | 3.74% | 3.76% | 4.12% | +61 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) | n/a | n/a | n/a | 0.63% | 5.87% | 9.81% | 0.89% | 1.84% | +121 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | 0.35% | 4.32% | 21.29% | 21.88% | 18.83% | +1,849 bps | |
| Share Growth (YoY) | n/a | n/a | n/a | -3.43% | 2.18% | 7.35% | -0.55% | 0.35% | +379 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.68% | 3.29% | 2.54% | 2.04% | 2.29% | 2.16% | 2.95% | 1.71% | -33 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 | 1.48% | 2.04% | 2.49% | 2.59% | 2.50% | 2.41% | 2.52% | 2.63% | +4 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 | 95.00% | 89.75% | 87.58% | 88.69% | 96.99% | 101.40% | 107.33% | 105.02% | +1,633 bps | |
| Liquid Assets / Assets | 3.67% | 9.66% | 13.27% | 13.91% | 7.46% | 2.99% | 7.45% | 9.32% | -459 bps | |