Sacramento, CA · Charter 21871
Q4 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 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.14% | 4.63% | 4.13% | 4.66% | 3.76% | 3.84% | 1.41% | 2.66% | -200 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 | 3.47% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 52.98% | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.14% | -5.33% | 20.90% | 0.08% | -5.03% | 3.56% | 6.13% | 16.53% | +1,646 bps | |
| Loan Growth (YoY) | -12.33% | -8.02% | -15.35% | -9.97% | -1.34% | 1.64% | 7.47% | 4.03% | +1,400 bps | |
| Share Growth (YoY) | -8.53% | -7.15% | 22.46% | -1.79% | -7.07% | 3.19% | 3.00% | 12.39% | +1,418 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.16% | 5.07% | 4.16% | 5.14% | 3.79% | 5.55% | 4.11% | 5.11% | -3 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 | 0.98% | 0.74% | 0.97% | 0.68% | 0.01% | 0.13% | 1.34% | 1.43% | +74 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 | 66.30% | 71.34% | 63.97% | 73.05% | 70.38% | 70.27% | 66.75% | 67.62% | -543 bps | |
| Liquid Assets / Assets | 32.14% | 27.07% | 28.60% | 17.94% | 23.20% | 20.10% | 15.66% | 24.36% | +642 bps | |