PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Pacific Commerce

Arcadia, CA · Charter 97051

Q2 1999

$12.9MAssets
$5.7MLoans
$10.2MShares
n/aNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 2.69%.
  • Asset quality: problem loans at 0.87% of loans.
  • Funding: loans stand at 55.31% of shares as of Q2 1999.

Financial Results

Return on Assets (YTD, annualized)

2.69%

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ4 1997Q2 1998Q4 1998Q2 1999YoY ΔTrend
Earnings
Return on Assets2.49%2.08%1.57%2.69%n/a
Return on Equityn/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/an/an/an/a
Loan Growth (YoY)n/an/an/an/an/an/a
Share Growth (YoY)n/an/an/an/an/an/a
Asset Quality
Delinquent Loans / Loans2.10%1.74%1.01%0.87%n/a
Net Charge-Offs / Loansn/an/an/an/an/an/a
Allowance / Loans1.00%0.94%1.49%2.15%n/a
Capital
Risk-Based Capitaln/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares71.68%73.26%70.71%55.31%n/a
Liquid Assets / Assets22.92%27.48%37.17%49.96%n/a