Martinez, CA · Charter 6333
Q3 2015
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 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.25% | 0.24% | 0.16% | 0.18% | 0.20% | 0.43% | 0.42% | 0.51% | +34 bps | |
| Return on Equity | 2.43% | 2.30% | 1.54% | 1.75% | 1.97% | 4.23% | 4.06% | 4.95% | +319 bps | |
| Net Interest Margin | 1.40% | 1.36% | 1.36% | 1.35% | 1.36% | 1.42% | 1.46% | 1.47% | +12 bps | |
| Efficiency Ratio | 84.15% | 85.64% | 87.37% | 87.01% | 86.21% | 82.01% | 79.58% | 78.86% | -815 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.38% | 2.50% | 3.32% | 2.76% | 3.60% | 4.09% | 2.60% | 2.87% | +11 bps | |
| Loan Growth (YoY) | 17.89% | 12.97% | 8.87% | 4.76% | 8.31% | 8.02% | 6.46% | 5.52% | +76 bps | |
| Share Growth (YoY) | 2.47% | 2.75% | 3.66% | 2.88% | 3.68% | 4.20% | 2.48% | 2.69% | -19 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.24% | 0.06% | 0.17% | 0.17% | 0.13% | 0.02% | 0.13% | 0.13% | -4 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% | 1.33% | 1.39% | 1.32% | 1.24% | 1.13% | 1.11% | 0.80% | -52 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.29% | 10.24% | 10.24% | 10.24% | 10.23% | 10.18% | 10.32% | 10.41% | +17 bps | |
| Net Worth / Assets | 10.29% | 10.24% | 10.24% | 10.24% | 10.23% | 10.18% | 10.32% | 10.41% | +17 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 30.74% | 30.16% | 30.23% | 30.78% | 32.11% | 31.26% | 31.40% | 31.63% | +85 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |