Salinas, CA · Charter 61767
Q2 1999
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.02% | 2.88% | 3.00% | 2.76% | 3.01% | 3.69% | 3.44% | 3.43% | +67 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) | n/a | -5.00% | -9.01% | -9.32% | -5.08% | -13.18% | -7.71% | -5.78% | +355 bps | |
| Loan Growth (YoY) | n/a | 11.65% | -4.70% | -19.83% | -12.21% | -18.15% | -16.90% | -20.00% | -18 bps | |
| Share Growth (YoY) | n/a | -6.27% | -10.24% | -10.59% | -5.95% | -15.20% | -9.20% | -7.10% | +349 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.69% | 1.82% | 3.36% | 2.13% | 1.42% | 1.22% | 2.18% | 1.12% | -101 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 | 1.36% | 1.09% | 1.45% | 0.65% | 0.95% | 1.25% | 1.74% | 1.30% | +65 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 | 74.98% | 71.53% | 66.14% | 69.91% | 69.99% | 69.05% | 60.54% | 60.20% | -971 bps | |
| Liquid Assets / Assets | 28.34% | 30.52% | 35.30% | 32.84% | 33.90% | 32.80% | 43.74% | 41.82% | +898 bps | |