PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Pacific Commerce

Arcadia, CA · Charter 6591

Q2 1997

$14.5MAssets
$7.8MLoans
$11.6MShares
n/aNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 3.11%, up 15 bps year over year.
  • Asset quality: problem loans at 1.48% of loans (+122 bps YoY).
  • Funding: loans stand at 66.72% of shares as of Q2 1997.

Financial Results

Return on Assets (YTD, annualized)

3.11%+15 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ2 1995Q4 1995Q2 1996Q4 1996Q2 1997YoY ΔTrend
Earnings
Return on Assets2.96%3.15%3.41%2.92%3.11%+15 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/a-21.29%-12.30%-0.47%n/a
Loan Growth (YoY)n/an/a11.37%10.75%5.10%n/a
Share Growth (YoY)n/an/a-26.46%-15.72%-1.44%n/a
Asset Quality
Delinquent Loans / Loans0.26%0.89%1.76%1.86%1.48%+122 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.37%2.49%1.49%1.63%0.77%-160 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares62.57%72.65%79.76%76.74%66.72%+415 bps
Liquid Assets / Assets34.08%22.94%30.92%32.84%20.73%-1,335 bps