Salinas, CA · Charter 6826
Q1 2002
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 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q1 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.98% | 3.31% | 0.32% | 1.36% | 1.33% | 0.49% | 0.52% | 0.69% | -67 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 16.24% | 6.44% | 6.35% | 8.66% | n/a | |
| Net Interest Margin | n/a | n/a | 4.86% | 5.13% | 5.24% | 4.39% | 4.77% | 4.87% | -25 bps | |
| Efficiency Ratio | n/a | n/a | 78.59% | 74.60% | 77.72% | 87.11% | 86.52% | 85.70% | +1,110 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.14% | 12.32% | 5.57% | 1.50% | -0.44% | 5.18% | 7.40% | 8.34% | +684 bps | |
| Loan Growth (YoY) | -3.28% | -3.76% | -3.68% | 0.82% | -2.04% | -3.08% | 10.86% | 12.88% | +1,206 bps | |
| Share Growth (YoY) | 8.87% | 12.39% | 4.93% | -0.87% | -3.34% | 3.37% | 6.17% | 8.26% | +913 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.75% | 0.74% | 0.79% | 0.68% | 0.65% | 0.24% | 0.39% | 0.30% | -38 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 | 1.53% | 1.43% | 1.37% | 1.30% | 1.11% | 0.95% | 0.85% | 0.80% | -50 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 8.17% | 7.55% | 8.14% | 7.92% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 8.17% | 7.55% | 8.14% | 7.92% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 75.70% | 70.57% | 77.10% | 75.64% | 76.72% | 66.17% | 80.51% | 78.86% | +323 bps | |
| Liquid Assets / Assets | 25.05% | 31.02% | 24.11% | 29.01% | 9.66% | 26.00% | 16.85% | 19.36% | -965 bps | |