Byron, CA · Charter 10798
Q2 2000
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 5.22% | 5.09% | 5.00% | 4.49% | 4.46% | 4.55% | 0.43% | -9.41% | -1,390 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 | 3.11% | -1.55% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 83.59% | n/a | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.24% | -2.02% | -5.90% | -4.10% | -2.61% | 5.38% | 10.25% | -3.12% | +98 bps | |
| Loan Growth (YoY) | 33.20% | 6.29% | 0.74% | -12.89% | -27.28% | -27.90% | -19.37% | -17.23% | -434 bps | |
| Share Growth (YoY) | 0.25% | -4.88% | -9.04% | -5.71% | 5.11% | 5.70% | 10.28% | 0.68% | +639 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.17% | 1.48% | 1.97% | 1.97% | 1.41% | 3.95% | 5.16% | 1.66% | -31 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 | 0.26% | 0.31% | 0.74% | 1.02% | 0.87% | 1.09% | 0.33% | 3.91% | +289 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 | 110.08% | 101.83% | 95.99% | 82.94% | 76.16% | 69.46% | 70.18% | 68.19% | -1,475 bps | |
| Liquid Assets / Assets | 13.37% | 12.75% | 14.48% | 23.21% | 31.91% | 40.84% | 35.11% | 24.38% | +117 bps | |