Long Beach, CA · Charter 65637
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 | 3.15% | 2.46% | 2.39% | 1.85% | 2.16% | 2.08% | 1.90% | 2.57% | +72 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 | -34.85% | -30.71% | -22.18% | -24.83% | -23.22% | +1,163 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | 10.95% | 10.22% | 1.04% | -17.42% | -27.15% | -3,810 bps | |
| Share Growth (YoY) | n/a | n/a | n/a | -39.68% | -35.86% | -26.91% | -30.33% | -28.71% | +1,097 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.02% | 0.72% | 2.25% | 0.74% | 0.84% | 1.53% | 4.63% | 0.00% | -74 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 | 3.53% | 2.94% | 2.68% | 1.88% | 2.07% | 2.27% | 2.22% | 2.54% | +65 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 | 47.68% | 60.67% | 72.43% | 74.51% | 81.94% | 83.87% | 85.85% | 76.15% | +163 bps | |
| Liquid Assets / Assets | 53.51% | 44.28% | 23.51% | 22.24% | 26.88% | 28.12% | 26.86% | 30.36% | +812 bps | |