Monterey, CA · Charter 19083
Q3 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 1997 | Q1 1998 | Q2 1998 | Q3 1998 | Q4 1998 | Q1 1999 | Q2 1999 | Q3 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.88% | 3.55% | 3.47% | 3.55% | 3.46% | 3.35% | 3.58% | 1.04% | -251 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 | 5.02% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 78.97% | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.10% | 6.04% | 8.42% | 9.54% | 11.97% | 12.06% | 10.79% | 9.80% | +25 bps | |
| Loan Growth (YoY) | 3.90% | 11.51% | 20.01% | 22.22% | 22.36% | 25.70% | 21.46% | 21.97% | -25 bps | |
| Share Growth (YoY) | 5.55% | 5.30% | 7.49% | 9.60% | 11.75% | 11.94% | 12.09% | 9.74% | +13 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.88% | 0.39% | 0.41% | 0.16% | 0.20% | 0.08% | 0.18% | 0.18% | +2 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 | 1.30% | 1.15% | 1.14% | 1.01% | 0.98% | 1.02% | 1.03% | 0.93% | -8 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 | 67.33% | 68.40% | 72.53% | 73.99% | 73.72% | 76.81% | 78.60% | 82.24% | +825 bps | |
| Liquid Assets / Assets | 12.60% | 11.81% | 9.93% | 9.74% | 10.99% | 9.73% | 9.42% | 6.07% | -367 bps | |