North Highlands, CA · Charter 4014
Q2 1998
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 1996 | Q4 1996 | Q1 1997 | Q2 1997 | Q3 1997 | Q4 1997 | Q1 1998 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | n/a | 4.31% | 3.72% | 4.24% | 4.30% | 4.29% | 4.49% | 4.47% | +23 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) | 49.20% | 47.43% | 60.11% | 4.03% | 3.71% | 4.87% | -4.55% | 5.80% | +177 bps | |
| Loan Growth (YoY) | 51.67% | 50.02% | 46.81% | -1.17% | 0.65% | 2.71% | 4.50% | 6.21% | +738 bps | |
| Share Growth (YoY) | 51.34% | 49.52% | 65.05% | 4.38% | 3.54% | 4.47% | -6.49% | 5.36% | +98 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.15% | 1.51% | 1.62% | 1.52% | 1.33% | 1.51% | 1.29% | 1.06% | -46 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 | 1.26% | 1.55% | 1.59% | 1.57% | 1.54% | 1.66% | 1.63% | 1.59% | +2 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 | 71.20% | 70.57% | 60.64% | 66.94% | 69.22% | 69.38% | 67.77% | 67.48% | +54 bps | |
| Liquid Assets / Assets | 20.61% | 20.52% | 29.64% | 20.20% | 16.00% | 16.33% | 18.42% | 33.12% | +1,292 bps | |