Orangevale, CA · Charter 10277
Q1 1998
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 | Q3 1996 | Q4 1996 | Q1 1997 | Q2 1997 | Q3 1997 | Q4 1997 | Q1 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.14% | n/a | 4.18% | 4.03% | 4.09% | 4.21% | 4.30% | 3.68% | -35 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 | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.33% | 9.29% | 6.89% | 6.41% | 6.24% | 5.77% | 5.85% | 3.94% | -247 bps | |
| Loan Growth (YoY) | 2.83% | 1.63% | -0.16% | 1.53% | 2.79% | 5.59% | 6.41% | 6.74% | +522 bps | |
| Share Growth (YoY) | 6.36% | 8.78% | 6.34% | 5.41% | 6.06% | 4.89% | 4.95% | 3.41% | -200 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.90% | 1.32% | 0.84% | 0.72% | 0.70% | 1.00% | 0.90% | 0.59% | -12 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 | 0.55% | 0.60% | 0.67% | 0.71% | 0.74% | 0.74% | 0.65% | 0.62% | -9 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 | 84.69% | 83.99% | 85.01% | 82.92% | 82.08% | 84.55% | 86.19% | 85.60% | +267 bps | |
| Liquid Assets / Assets | 14.36% | 11.94% | 10.23% | 11.95% | 11.00% | 6.75% | 7.54% | 9.59% | -236 bps | |