San Leandro, CA · Charter 9690
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 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.19% | 3.30% | 3.72% | 3.85% | 3.48% | 3.65% | 0.44% | 0.62% | -323 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 | 4.29% | 4.38% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 85.19% | 84.00% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -23.01% | -17.67% | -2.87% | -8.72% | 9.05% | 14.52% | 9.92% | 8.83% | +1,756 bps | |
| Loan Growth (YoY) | -14.05% | -5.22% | 21.72% | 22.66% | 17.41% | 8.41% | 9.69% | 24.18% | +152 bps | |
| Share Growth (YoY) | -28.53% | -21.84% | -5.34% | -8.44% | 9.22% | 15.66% | 10.84% | 2.14% | +1,058 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.70% | 0.51% | 1.29% | 1.37% | 0.47% | 3.63% | 1.93% | 2.79% | +142 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 | 2.30% | 1.27% | 1.16% | 0.94% | 0.82% | 0.81% | 1.04% | 1.06% | +12 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 | 70.96% | 79.71% | 91.78% | 88.10% | 76.28% | 74.71% | 90.83% | 107.11% | +1,901 bps | |
| Liquid Assets / Assets | 41.30% | 34.91% | 25.67% | 28.39% | 36.25% | 37.12% | 24.35% | 17.35% | -1,103 bps | |