PackageTrendsPeer
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Great Valley Bank

Ceres, CA · Cert 22428

FDIC

Q1 1996

$75.7MAssets
$27.5MLoans
$64.4MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.44%, up 73 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 42.79% of deposits as of Q1 1996.

Return on Assets (YTD, annualized)

0.44%+73 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Tier 1 Leverage Ratio

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ2 1994Q3 1994Q4 1994Q1 1995Q2 1995Q3 1995Q4 1995Q1 1996YoY ΔTrend
Earnings
Return on Assets-1.34%-0.96%-0.20%-0.29%-0.16%0.11%-0.01%0.44%+73 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Non-Interest Burdenn/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/a-1.82%3.11%-0.83%-1.72%-8.66%-684 bps
Loan Growth (YoY)n/an/an/a-18.39%-18.97%-26.71%-24.52%-20.52%-212 bps
Deposit Growth (YoY)n/an/an/a-0.61%2.39%-3.63%-2.37%-10.71%-1,010 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits61.62%58.84%52.26%48.07%48.77%44.75%40.40%42.79%-528 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a