Los Angeles, CA · Charter 65666
Q2 2000
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -8.78% | -2.95% | -0.03% | -0.10% | 0.95% | -3.37% | -61.28% | -174.29% | -17,419 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 | 9.45% | 8.46% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 363% | n/a | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | -38.39% | -40.30% | -21.18% | 67.93% | 87.67% | 115.31% | 18.12% | -73.35% | -14,128 bps | |
| Loan Growth (YoY) | 0.37% | 4.54% | 13.19% | 27.71% | 24.85% | 56.69% | 33.06% | -3.86% | -3,158 bps | |
| Share Growth (YoY) | -30.45% | -37.53% | -20.18% | 89.28% | 105.02% | 141.15% | 71.79% | -16.81% | -10,609 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 7.81% | 11.42% | 7.78% | 11.46% | 13.69% | 44.34% | 75.11% | 71.54% | +6,007 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 | 10.43% | 11.42% | 10.14% | 8.40% | 8.35% | 4.36% | 46.41% | 80.71% | +7,231 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 | 64.95% | 69.04% | 78.27% | 40.50% | 39.55% | 44.86% | 60.62% | 46.81% | +630 bps | |
| Liquid Assets / Assets | 40.35% | 36.65% | 34.48% | 61.23% | 64.19% | 54.51% | 0.87% | 8.53% | -5,270 bps | |