Modesto, CA · Charter 62623
Q4 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 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.70% | 3.73% | 2.55% | 0.25% | 0.38% | 0.70% | 0.70% | 0.87% | +62 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 10.92% | 11.81% | 13.41% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 4.65% | 5.08% | 4.97% | 4.32% | 4.44% | -21 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 86.45% | 89.99% | 83.79% | 78.80% | 73.61% | -1,284 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.78% | 7.70% | 2.19% | 7.07% | 8.06% | 8.74% | 22.15% | 19.32% | +1,225 bps | |
| Loan Growth (YoY) | 0.61% | -1.15% | 5.12% | 20.48% | 32.83% | 29.67% | 22.37% | 4.60% | -1,589 bps | |
| Share Growth (YoY) | 7.16% | 7.91% | 1.83% | 0.04% | 2.50% | 7.99% | 21.47% | 26.34% | +2,630 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.71% | 0.47% | 0.14% | 0.27% | 0.10% | 0.58% | 0.67% | 0.86% | +59 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 | 0.97% | 0.85% | 1.04% | 0.88% | 0.70% | 0.66% | 0.75% | 0.87% | -1 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 6.38% | 5.97% | 6.50% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | 6.38% | 5.97% | 6.50% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.70% | 72.18% | 73.00% | 84.74% | 91.61% | 86.66% | 73.54% | 70.16% | -1,459 bps | |
| Liquid Assets / Assets | 22.07% | 11.80% | 9.18% | 8.26% | 1.60% | 4.68% | 19.30% | 25.71% | +1,744 bps | |