National City, CA · Charter 8989
Q4 1999
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.68% | 3.96% | 2.86% | 3.53% | 3.39% | 3.80% | 3.57% | 0.88% | -265 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 | 4.10% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 76.14% | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | 23.34% | 24.34% | 141.20% | 130.04% | 77.34% | 80.02% | 5.67% | 7.20% | -12,284 bps | |
| Loan Growth (YoY) | 49.62% | 51.03% | 95.47% | 109.00% | 40.92% | 36.22% | 1.09% | 14.39% | -9,460 bps | |
| Share Growth (YoY) | 23.32% | 22.24% | 128.22% | 117.33% | 67.31% | 70.68% | 4.12% | 6.07% | -11,126 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.43% | 6.00% | 3.37% | 1.19% | 0.14% | 3.14% | 1.74% | 2.12% | +93 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 | 4.70% | 4.06% | 1.77% | 1.41% | 1.59% | 1.29% | 1.14% | 1.04% | -38 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 | 63.42% | 66.59% | 60.14% | 59.86% | 53.42% | 53.14% | 58.39% | 64.55% | +470 bps | |
| Liquid Assets / Assets | 39.66% | 36.51% | 40.20% | 45.94% | 45.74% | 47.41% | 41.50% | 30.64% | -1,530 bps | |