North Highlands, CA · Charter 11961
Q1 1996
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1994 | Q3 1994 | Q4 1994 | Q1 1995 | Q2 1995 | Q3 1995 | Q4 1995 | Q1 1996 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.71% | 3.77% | 3.84% | 4.10% | 4.27% | 4.35% | 4.48% | 4.73% | +63 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 | n/a | n/a | -2.05% | 3.92% | 5.51% | 8.09% | 8.50% | +1,054 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | 14.17% | 15.62% | 15.99% | 13.79% | 13.53% | -64 bps | |
| Share Growth (YoY) | n/a | n/a | n/a | 1.66% | 4.12% | 4.38% | 7.42% | 6.87% | +521 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.80% | 0.94% | 0.93% | 0.60% | 0.59% | 0.66% | 0.83% | 0.86% | +26 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 | 0.86% | 0.87% | 0.88% | 0.94% | 0.89% | 0.86% | 0.82% | 0.79% | -15 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 | 66.93% | 67.57% | 71.37% | 71.33% | 74.32% | 75.09% | 75.60% | 75.77% | +444 bps | |
| Liquid Assets / Assets | 25.27% | 26.25% | 24.15% | 24.46% | 20.85% | 24.14% | 21.30% | 15.57% | -890 bps | |