Auburn, CA · Charter 64456
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 | 3.06% | 4.12% | 3.21% | 5.33% | 3.08% | 2.86% | 3.73% | 0.33% | -500 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 | 5.88% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 95.04% | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | 23.15% | 15.01% | -7.43% | -5.67% | -10.59% | -8.69% | -8.66% | -18.01% | -1,234 bps | |
| Loan Growth (YoY) | 24.77% | 7.27% | -9.51% | -17.57% | -27.68% | -24.04% | -16.80% | -14.10% | +346 bps | |
| Share Growth (YoY) | 27.01% | 25.79% | -8.26% | -6.45% | -11.32% | -7.87% | -7.85% | -17.74% | -1,130 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.37% | 1.89% | 0.98% | 0.40% | 2.21% | 6.68% | 0.00% | 8.26% | +785 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 | 1.85% | 2.03% | 2.26% | 2.43% | 2.77% | 2.75% | 2.74% | 2.84% | +42 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 | 95.16% | 93.85% | 85.57% | 79.85% | 77.61% | 77.37% | 77.26% | 83.39% | +353 bps | |
| Liquid Assets / Assets | 4.69% | 6.38% | 13.34% | 17.87% | 15.82% | 18.59% | 23.81% | 18.08% | +21 bps | |