Bakersfield, CA · Charter 11199
Q2 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 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.98% | 2.80% | 1.99% | 2.46% | 1.76% | -0.50% | 0.74% | -0.15% | -261 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) | n/a | 4.84% | -12.04% | 13.37% | -27.36% | -26.82% | -29.70% | -27.91% | -4,128 bps | |
| Loan Growth (YoY) | n/a | -23.90% | -29.22% | -48.30% | -57.67% | -30.05% | -49.11% | -27.14% | +2,117 bps | |
| Share Growth (YoY) | n/a | 4.78% | -15.84% | 10.02% | -35.73% | -38.51% | -41.56% | -31.33% | -4,136 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.33% | 0.00% | 1.90% | 2.12% | 4.15% | 2.84% | 1.36% | 0.00% | -212 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 | 1.54% | 1.60% | 1.53% | 2.44% | 3.18% | 3.08% | 2.42% | 1.42% | -102 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 | 72.88% | 51.10% | 56.41% | 39.72% | 48.00% | 58.14% | 49.11% | 42.15% | +243 bps | |
| Liquid Assets / Assets | 0.00% | 41.53% | 43.37% | 52.51% | 57.90% | 46.24% | 59.55% | 66.34% | +1,383 bps | |