PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Electricians #595

San Leandro, CA · Charter 65055

Q4 1999

$1.0MAssets
$1.0MLoans
$862KShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 1.88%, down 3 bps year over year; NIM at 5.85%.
  • Asset quality: problem loans at 1.40% of loans (+140 bps YoY).
  • Funding: loans stand at 118.98% of shares as of Q4 1999.

Return on Assets (quarter, annualized)

1.88%-3 bps YoY

Net Interest Margin (quarter, annualized)

5.85%
n/a

Efficiency Ratio (quarter, annualized)

69.66%
n/a

Net Worth / Assets

n/a
n/a

Discrete quarter, annualized.

MetricQ2 1996Q4 1996Q2 1997Q4 1997Q2 1998Q4 1998Q2 1999Q4 1999YoY ΔTrend
Earnings
Return on Assets2.35%2.52%1.78%1.91%2.92%2.93%3.38%1.88%-3 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a5.85%n/an/a
Efficiency Ration/an/an/an/an/an/an/a69.66%n/an/a
Growth
Asset Growth (YoY)4.06%-1.13%-20.74%-12.70%14.18%25.62%45.28%42.47%+5,517 bps
Loan Growth (YoY)-7.68%5.95%10.96%13.54%58.90%76.09%105.24%96.65%+8,311 bps
Share Growth (YoY)1.46%-4.76%-26.23%-16.72%14.28%28.60%52.14%46.52%+6,325 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%1.40%+140 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans5.10%4.50%4.59%4.09%3.38%2.98%2.47%2.25%-184 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares65.25%77.47%84.50%88.66%90.74%106.07%113.99%118.98%+3,033 bps
Liquid Assets / Assets42.48%37.00%28.44%28.32%17.30%10.89%1.55%0.15%-2,817 bps