Mendota, CA · Charter 64675
Q2 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 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.66% | -2.93% | 0.16% | 1.99% | -1.97% | 0.79% | -0.27% | 3.81% | +182 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 | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | -14.41% | -9.85% | -25.31% | -24.32% | -24.86% | -31.82% | -16.57% | +874 bps | |
| Loan Growth (YoY) | n/a | 6.50% | 25.43% | -3.61% | 5.07% | -12.45% | -27.18% | -1.19% | +242 bps | |
| Share Growth (YoY) | n/a | -8.36% | -13.91% | -28.85% | -31.47% | -31.05% | -38.28% | -23.93% | +492 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 13.06% | 6.64% | 0.00% | 7.01% | 4.63% | 5.32% | 4.97% | 4.29% | -272 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 | 7.01% | 6.77% | 1.58% | 3.24% | 6.85% | 6.69% | 7.79% | 5.59% | +235 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 | 86.14% | 99.71% | 115.03% | 107.38% | 132.08% | 126.60% | 135.72% | 139.47% | +3,209 bps | |
| Liquid Assets / Assets | 31.10% | 20.37% | 8.45% | 10.09% | 5.21% | 7.19% | 8.48% | 4.59% | -550 bps | |