Burbank, CA · Charter 9883
Q4 1999
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 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.94% | 2.56% | 2.97% | 3.33% | 2.86% | 3.09% | 3.20% | 0.87% | -246 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 | 4.71% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 79.99% | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | -16.59% | -13.91% | -7.82% | -3.45% | 1.67% | 0.70% | 8.89% | 7.44% | +1,089 bps | |
| Loan Growth (YoY) | 9.50% | 33.96% | 20.90% | 6.28% | 45.66% | 38.40% | 43.82% | -2.76% | -905 bps | |
| Share Growth (YoY) | -19.31% | -13.82% | -6.21% | -4.04% | 0.38% | -0.69% | 8.58% | 6.98% | +1,102 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.43% | 1.48% | 0.49% | 0.38% | 0.27% | 0.14% | 0.40% | 0.66% | +28 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 | 1.47% | 1.11% | 1.08% | 1.16% | 0.86% | 0.54% | 0.54% | 0.78% | -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 | 52.54% | 62.62% | 58.93% | 59.90% | 76.24% | 87.27% | 78.06% | 54.44% | -546 bps | |
| Liquid Assets / Assets | 23.62% | 17.12% | 14.72% | 15.48% | 19.83% | 8.95% | 12.36% | 0.00% | -1,548 bps | |