Victorville, CA · Charter 3611
Q2 2001
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 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 5.04% | -1.03% | 2.04% | 4.72% | 0.47% | 0.70% | 0.75% | 0.55% | -416 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | 12.12% | 8.21% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | n/a | 3.71% | 4.23% | 4.38% | 4.73% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 80.10% | 76.52% | 72.75% | 72.30% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.58% | -6.05% | 9.38% | 20.86% | 12.66% | 11.42% | -0.09% | -11.93% | -3,279 bps | |
| Loan Growth (YoY) | 9.14% | 5.06% | 7.01% | 2.26% | 8.97% | 7.94% | 5.94% | -12.20% | -1,446 bps | |
| Share Growth (YoY) | 1.04% | -5.16% | 11.54% | 24.61% | 16.20% | 11.15% | -1.11% | -13.68% | -3,828 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 7.71% | 8.61% | 4.00% | 3.09% | 2.46% | 1.18% | 0.63% | 4.66% | +157 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 | 1.12% | 4.20% | 2.73% | 2.03% | 1.80% | 1.34% | 1.09% | 1.63% | -40 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | 6.17% | 6.76% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | 6.17% | 6.76% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 98.79% | 90.82% | 85.40% | 82.85% | 92.64% | 88.19% | 91.49% | 84.27% | +142 bps | |
| Liquid Assets / Assets | 3.52% | 9.74% | 11.67% | 16.55% | 0.00% | 3.18% | 10.71% | 15.79% | -77 bps | |