Long Beach, CA · Charter 7348
Q2 1998
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 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.70% | 3.57% | -2.00% | 4.47% | 4.36% | 3.96% | 4.14% | 3.94% | -53 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 | -20.70% | -21.55% | -18.91% | -10.65% | -5.77% | +1,493 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | -13.18% | -18.11% | -24.47% | -21.86% | -4.67% | +851 bps | |
| Share Growth (YoY) | n/a | n/a | n/a | -18.46% | -19.34% | -16.73% | -12.72% | -7.61% | +1,086 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.22% | 5.01% | 5.31% | 4.47% | 4.49% | 3.40% | 3.11% | 3.59% | -88 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 | 3.23% | 5.13% | 7.58% | 8.03% | 7.34% | 7.23% | 6.90% | 5.83% | -220 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 | 77.95% | 81.73% | 84.68% | 82.35% | 79.14% | 74.14% | 75.81% | 84.97% | +262 bps | |
| Liquid Assets / Assets | 7.04% | 15.72% | 17.12% | 21.30% | 17.79% | 17.58% | 18.05% | 15.02% | -628 bps | |