Van Nuys, CA · Charter 7849
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 | 2.96% | 3.17% | 3.80% | 2.89% | 3.55% | 3.47% | 3.50% | 3.37% | +47 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 | -4.72% | -3.54% | 5.34% | 6.13% | -2.47% | +224 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | 5.84% | 16.92% | 16.97% | 19.02% | 2.10% | -375 bps | |
| Share Growth (YoY) | n/a | n/a | n/a | -7.79% | -6.52% | 2.90% | 4.31% | -3.61% | +417 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.63% | 1.96% | 0.69% | 1.16% | 0.79% | 1.09% | 1.58% | 1.45% | +29 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 | 2.80% | 3.38% | 2.84% | 2.72% | 2.63% | 2.82% | 2.71% | 2.52% | -20 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 | 48.93% | 50.01% | 51.71% | 55.92% | 61.20% | 56.85% | 59.00% | 59.23% | +331 bps | |
| Liquid Assets / Assets | 17.95% | 18.97% | 22.17% | 19.00% | 15.66% | 16.60% | 16.33% | 21.66% | +267 bps | |