San Francisco, CA · Charter 66821
Q1 1999
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1997 | Q3 1997 | Q4 1997 | Q1 1998 | Q2 1998 | Q3 1998 | Q4 1998 | Q1 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.82% | 4.99% | 4.97% | 4.77% | 4.89% | 4.79% | 4.54% | 4.70% | -6 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) | 7.90% | 6.15% | 7.05% | 9.25% | 7.58% | 10.91% | 12.87% | 12.02% | +277 bps | |
| Loan Growth (YoY) | 7.88% | 5.25% | 5.43% | 7.34% | 8.48% | 9.82% | 10.55% | 9.57% | +223 bps | |
| Share Growth (YoY) | 6.96% | 5.55% | 6.25% | 8.76% | 6.93% | 10.89% | 11.46% | 12.53% | +377 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.08% | 0.05% | 0.35% | 0.27% | 0.08% | 0.06% | 0.04% | 0.03% | -24 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 | 0.37% | 0.34% | 0.32% | 0.28% | 0.27% | 0.26% | 0.25% | 0.25% | -3 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 | 71.73% | 72.88% | 72.32% | 70.72% | 72.77% | 72.17% | 71.73% | 68.85% | -186 bps | |
| Liquid Assets / Assets | 15.84% | 10.26% | 12.95% | 12.11% | 10.23% | 10.63% | 7.65% | 8.92% | -318 bps | |