Los Angeles, CA · Charter 65160
Q2 2000
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 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.30% | 3.32% | 2.84% | 2.24% | 2.07% | 2.36% | -3.40% | -0.34% | -258 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 | 4.11% | 3.70% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 321% | 109.08% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.26% | -4.05% | -4.53% | -6.92% | -9.51% | -1.61% | -5.61% | -5.44% | +149 bps | |
| Loan Growth (YoY) | 24.39% | 43.24% | 36.90% | 21.64% | -1.24% | 2.54% | -1.00% | 12.60% | -904 bps | |
| Share Growth (YoY) | 3.75% | -5.30% | -2.32% | -9.47% | -9.26% | 0.24% | -2.67% | -1.98% | +749 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.19% | 0.12% | 0.08% | 0.13% | 1.06% | 0.78% | 0.00% | 0.00% | -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 | 0.15% | 0.10% | 0.07% | 0.01% | 0.07% | 0.04% | 0.00% | 0.00% | -1 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 | 88.27% | 101.62% | 102.20% | 101.03% | 96.07% | 103.96% | 103.96% | 116.06% | +1,503 bps | |
| Liquid Assets / Assets | 26.06% | 11.62% | 16.08% | 9.87% | 14.10% | 7.91% | 4.41% | 4.52% | -534 bps | |