Reno, NV · Charter 6004
Q1 1997
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1995 | Q3 1995 | Q4 1995 | Q1 1996 | Q2 1996 | Q3 1996 | Q4 1996 | Q1 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.44% | 4.37% | 4.29% | 3.95% | 3.85% | n/a | 3.91% | 3.68% | -27 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) | 8.73% | 11.23% | 13.10% | 12.88% | 11.74% | 9.21% | 8.49% | 9.21% | -367 bps | |
| Loan Growth (YoY) | 24.64% | 19.80% | 10.16% | 6.98% | 10.43% | 16.13% | 26.76% | 31.14% | +2,416 bps | |
| Share Growth (YoY) | 7.71% | 10.90% | 13.05% | 12.71% | 11.61% | 8.89% | 8.55% | 9.58% | -313 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.99% | 1.14% | 0.94% | 0.88% | 0.88% | 0.78% | 0.77% | 0.40% | -48 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 | 0.52% | 0.57% | 0.60% | 0.60% | 0.58% | 0.70% | 0.70% | 0.65% | +4 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 | 77.59% | 79.17% | 75.31% | 72.53% | 76.77% | 84.43% | 87.94% | 86.80% | +1,427 bps | |
| Liquid Assets / Assets | 18.63% | 13.16% | 16.13% | 19.44% | 14.93% | 10.07% | 8.38% | 12.20% | -724 bps | |