Stockton, CA · Charter 63862
Q2 2005
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.35% | 0.30% | -0.05% | 0.03% | 0.05% | 0.03% | 0.13% | -1.47% | -149 bps | |
| Return on Equity | 2.77% | 2.34% | -0.38% | 0.21% | 0.38% | 0.22% | 1.10% | -13.36% | -1,357 bps | |
| Net Interest Margin | 2.75% | 2.69% | 2.36% | 2.28% | 2.28% | 2.23% | 2.18% | 2.35% | +7 bps | |
| Efficiency Ratio | 88.69% | 90.15% | 101.88% | 99.00% | 98.17% | 98.92% | 94.70% | 155.88% | +5,688 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.97% | 8.01% | -1.83% | 1.33% | 1.12% | 2.84% | 8.82% | 7.45% | +612 bps | |
| Loan Growth (YoY) | -31.80% | -33.91% | -37.92% | -34.59% | -29.16% | -28.71% | -30.26% | -2.65% | +3,194 bps | |
| Share Growth (YoY) | 11.53% | 8.36% | -1.95% | 0.85% | 1.40% | 3.91% | 9.73% | 10.60% | +976 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.27% | 0.09% | 0.65% | 0.87% | 0.53% | 0.29% | 1.08% | 0.55% | -31 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 | 1.56% | 1.72% | 1.93% | 2.25% | 2.45% | 2.65% | 2.73% | 2.02% | -23 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.77% | 12.83% | 12.70% | 12.58% | 12.70% | 12.50% | 11.74% | 10.99% | -159 bps | |
| Net Worth / Assets | 12.77% | 12.83% | 12.70% | 12.58% | 12.70% | 12.50% | 11.74% | 10.99% | -159 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 14.57% | 13.46% | 11.86% | 10.84% | 10.18% | 9.24% | 7.54% | 9.54% | -130 bps | |
| Liquid Assets / Assets | 23.25% | 29.47% | 26.98% | 29.67% | 38.16% | 29.40% | 41.25% | 54.04% | +2,438 bps | |