Fresno, CA · Charter 62747
Q4 2012
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 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.55% | 2.75% | 2.21% | 1.62% | 2.25% | 2.40% | 1.90% | -1.01% | -262 bps | |
| Return on Equity | 12.99% | 13.51% | 10.90% | 8.02% | 11.27% | 12.02% | 9.50% | -5.67% | -1,369 bps | |
| Net Interest Margin | 3.89% | 4.00% | 3.74% | 3.61% | 2.68% | 2.92% | 3.01% | 3.05% | -56 bps | |
| Efficiency Ratio | 48.11% | 48.38% | 51.58% | 60.38% | 49.99% | 46.83% | 53.55% | 114.65% | +5,427 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.18% | 0.40% | 3.35% | 2.60% | 7.73% | 10.48% | 8.40% | 7.35% | +475 bps | |
| Loan Growth (YoY) | -2.37% | -3.50% | -4.91% | -5.31% | -5.20% | -4.54% | -2.57% | -1.35% | +396 bps | |
| Share Growth (YoY) | -1.69% | -3.40% | 0.30% | 0.04% | 7.73% | 10.50% | 9.49% | 9.42% | +938 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.43% | 0.68% | 1.05% | 0.83% | 0.22% | 0.28% | 0.32% | 0.37% | -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 | 0.99% | 0.94% | 1.11% | 0.62% | 0.68% | 0.90% | 0.84% | 0.91% | +29 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.63% | 20.37% | 20.32% | 20.15% | 19.94% | 19.98% | 19.95% | 17.78% | -237 bps | |
| Net Worth / Assets | 19.63% | 20.37% | 20.32% | 20.15% | 19.94% | 19.98% | 19.95% | 17.78% | -237 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.55% | 84.26% | 80.09% | 79.62% | 75.28% | 72.79% | 71.27% | 71.79% | -784 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |