Lodi, CA · Charter 64371
Q4 2000
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.54% | 4.04% | 4.13% | 4.14% | 3.91% | -0.46% | 0.51% | 0.69% | -345 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 5.83% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | 3.41% | 4.40% | 4.55% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 105.46% | 76.60% | 79.17% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.83% | 15.38% | 8.34% | 16.76% | 29.22% | 28.87% | 33.70% | 17.10% | +34 bps | |
| Loan Growth (YoY) | 20.79% | 7.78% | 11.97% | 19.63% | 1.19% | -2.23% | 1.87% | 9.91% | -972 bps | |
| Share Growth (YoY) | 10.93% | 16.61% | 8.61% | 17.11% | 33.13% | 33.40% | 33.74% | 9.19% | -792 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.73% | 2.65% | 2.12% | 2.58% | 2.98% | 1.45% | 3.16% | 2.47% | -11 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 | 1.95% | 2.25% | 1.94% | 2.18% | 2.11% | 1.80% | 1.04% | 1.18% | -100 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 11.89% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 11.89% | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 109.75% | 103.82% | 110.16% | 93.80% | 83.42% | 76.09% | 83.90% | 94.41% | +61 bps | |
| Liquid Assets / Assets | 3.99% | 8.04% | 2.83% | 9.02% | 8.05% | 7.19% | 3.58% | 12.60% | +358 bps | |