PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Cuesta 76

San Luis Obispo, CA · Charter 63204

Q2 1996

$657KAssets
$295KLoans
$555KShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 3.69%, down 14 bps year over year.
  • Asset quality: problem loans at 1.28% of loans (+43 bps YoY).
  • Funding: loans stand at 53.14% of shares as of Q2 1996.

Return on Assets (quarter, annualized)

3.69%-14 bps YoY

Net Interest Margin (quarter, annualized)

n/a
n/a

Efficiency Ratio (quarter, annualized)

n/a
n/a

Net Worth / Assets

n/a
n/a

Discrete quarter, annualized.

MetricQ2 1994Q4 1994Q2 1995Q4 1995Q2 1996YoY ΔTrend
Earnings
Return on Assets3.83%4.30%3.79%3.91%3.69%-14 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/an/a-10.98%n/an/a
Loan Growth (YoY)n/an/an/an/a-23.15%n/an/a
Share Growth (YoY)n/an/an/an/a-14.10%n/an/a
Asset Quality
Delinquent Loans / Loans0.85%0.24%0.16%0.71%1.28%+43 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.82%0.43%0.43%1.31%1.32%+51 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares59.40%64.35%61.90%55.36%53.14%-626 bps
Liquid Assets / Assets39.89%37.56%37.82%46.54%49.17%+927 bps