PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Ventura County

Ventura, CA · Charter 6580

Q3 2000

$155.3MAssets
$113.0MLoans
$141.2MShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 1.47%, up 20 bps year over year; NIM at 4.67%.
  • Asset quality: problem loans at 0.31% of loans (-204 bps YoY).
  • Funding: loans stand at 80.00% of shares as of Q3 2000.

Return on Assets (YTD, annualized)

1.47%+20 bps YoY

Net Interest Margin (YTD, annualized)

4.67%+18 bps YoY

Efficiency Ratio (YTD, annualized)

67.05%+74 bps YoY

Net Worth / Assets

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ4 1998Q1 1999Q2 1999Q3 1999Q4 1999Q1 2000Q2 2000Q3 2000YoY ΔTrend
Earnings
Return on Assets3.91%3.86%4.00%1.27%1.33%1.10%1.32%1.47%+20 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/a4.50%4.56%4.44%4.55%4.67%+18 bps
Efficiency Ration/an/an/a66.31%66.37%70.92%68.47%67.05%+74 bps
Growth
Asset Growth (YoY)18.41%16.83%15.59%14.98%7.65%12.15%11.47%7.03%-795 bps
Loan Growth (YoY)9.50%10.41%14.62%11.32%11.48%17.73%14.05%10.22%-110 bps
Share Growth (YoY)18.00%16.26%14.98%14.91%6.70%11.49%10.65%6.03%-888 bps
Asset Quality
Delinquent Loans / Loans0.87%0.97%0.79%2.35%0.66%0.44%0.45%0.31%-204 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.98%0.96%0.73%0.85%0.91%0.90%0.86%0.86%+1 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares73.88%70.25%76.35%76.96%77.19%74.19%78.69%80.00%+304 bps
Liquid Assets / Assets17.43%23.36%14.22%7.85%2.26%10.28%10.02%10.13%+228 bps