San Jose, CA · Charter 8044
Q2 2000
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 | Q3 1998 | Q4 1998 | Q1 1999 | Q2 1999 | Q3 1999 | Q4 1999 | Q1 2000 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.47% | 3.50% | 3.30% | 3.43% | 0.59% | 0.68% | 0.65% | 0.75% | -268 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 | 4.11% | 4.17% | 4.21% | 4.29% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 77.37% | 76.40% | 77.58% | 76.96% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 20.92% | 20.49% | 14.91% | 12.47% | 10.68% | 8.03% | 11.22% | 10.46% | -201 bps | |
| Loan Growth (YoY) | 16.27% | 13.08% | 20.89% | 24.23% | 20.60% | 15.78% | 10.13% | 8.28% | -1,594 bps | |
| Share Growth (YoY) | 22.82% | 23.47% | 15.94% | 13.46% | 11.09% | 7.22% | 11.54% | 10.42% | -304 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.63% | 0.65% | 0.52% | 0.50% | 0.57% | 0.48% | 0.46% | 0.48% | -2 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 | 1.07% | 1.04% | 1.04% | 1.04% | 1.07% | 1.09% | 1.10% | 1.06% | +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 | 77.44% | 78.62% | 81.89% | 85.53% | 84.06% | 84.90% | 80.86% | 83.87% | -165 bps | |
| Liquid Assets / Assets | 25.66% | 21.84% | 19.39% | 13.95% | 14.53% | 11.04% | 15.75% | 12.37% | -158 bps | |