San Luis Obispo, CA · Charter 62091
Q4 2000
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.56% | 4.47% | 4.09% | 3.84% | 3.77% | 0.32% | 0.77% | 0.69% | -315 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 3.84% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | 2.19% | 2.43% | 2.53% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 85.26% | 68.54% | 72.98% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.05% | -2.27% | -7.72% | 8.84% | 14.62% | 7.73% | 10.70% | -0.77% | -961 bps | |
| Loan Growth (YoY) | -19.43% | -21.38% | -27.01% | -22.44% | -26.86% | -30.33% | -27.60% | -33.34% | -1,090 bps | |
| Share Growth (YoY) | -1.64% | -4.62% | -10.93% | 8.63% | 16.20% | 8.17% | 11.69% | -2.12% | -1,075 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.65% | 2.16% | 0.49% | 1.89% | 2.13% | 0.63% | 1.06% | 1.79% | -10 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 | 1.10% | 1.40% | 1.64% | 1.39% | 1.40% | 1.46% | 1.24% | 1.11% | -28 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 17.91% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 17.91% | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 38.64% | 35.26% | 32.17% | 28.20% | 24.32% | 22.71% | 20.86% | 19.20% | -900 bps | |
| Liquid Assets / Assets | 63.81% | 67.32% | 68.47% | 71.74% | 73.90% | 77.33% | 77.81% | 1.07% | -7,067 bps | |