Novato, CA · Charter 12708
Q4 1995
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 | Q1 1994 | Q2 1994 | Q3 1994 | Q4 1994 | Q1 1995 | Q2 1995 | Q3 1995 | Q4 1995 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.48% | 3.85% | 4.03% | 3.82% | 3.55% | 3.53% | 3.66% | 3.78% | -4 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 | n/a | -6.17% | -8.44% | -5.39% | -3.73% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | 3.21% | 4.73% | 1.77% | 6.39% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | -6.81% | -9.14% | -5.93% | -4.49% | n/a | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.35% | 0.94% | 0.78% | 0.47% | 0.30% | 0.39% | 0.36% | 0.19% | -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 | 1.54% | 0.85% | 0.65% | 0.99% | 0.97% | 1.04% | 0.99% | 1.02% | +3 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 | 23.76% | 23.37% | 25.52% | 26.09% | 26.32% | 26.94% | 27.60% | 29.06% | +297 bps | |
| Liquid Assets / Assets | 28.28% | 37.34% | 31.37% | 35.40% | 29.46% | 25.82% | 23.30% | 33.18% | -222 bps | |