Stockton, CA · Charter 63628
Q4 1999
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 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.82% | 3.89% | 3.73% | 3.81% | 3.63% | 3.60% | 3.24% | 0.36% | -345 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 3.50% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 88.15% | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | -12.12% | -7.34% | -2.88% | 3.19% | 9.62% | 11.35% | 4.64% | -2.58% | -577 bps | |
| Loan Growth (YoY) | 9.27% | 7.43% | -7.52% | -4.20% | -3.43% | -15.45% | -19.69% | -14.92% | -1,071 bps | |
| Share Growth (YoY) | -16.65% | -10.59% | -5.08% | 1.61% | 10.41% | 12.09% | 3.97% | -3.80% | -541 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.15% | 0.48% | 0.52% | 2.62% | 0.95% | 2.00% | 0.26% | 0.81% | -181 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 | 3.95% | 2.75% | 2.91% | 3.07% | 2.77% | 2.63% | 1.32% | 1.28% | -179 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 37.57% | 38.05% | 37.25% | 35.49% | 32.86% | 28.70% | 28.77% | 31.39% | -410 bps | |
| Liquid Assets / Assets | 10.73% | 67.64% | 46.91% | 43.50% | 36.43% | 73.97% | 73.53% | 72.11% | +2,861 bps | |