San Anselmo, CA · Charter 7090
Q2 1999
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.25% | 3.17% | 2.44% | 2.95% | 2.48% | 3.66% | 4.04% | 3.29% | +34 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 | 9.61% | -0.28% | -1.04% | 5.62% | 6.39% | -13.07% | -8.79% | -776 bps | |
| Loan Growth (YoY) | n/a | -17.42% | -25.14% | -3.37% | 7.92% | 64.52% | 21.28% | -11.73% | -836 bps | |
| Share Growth (YoY) | n/a | 12.76% | -0.81% | -1.81% | 6.53% | 7.74% | -16.50% | -11.55% | -974 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 13.57% | 22.46% | 14.90% | 13.56% | 12.41% | 5.98% | 10.71% | 10.54% | -302 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 | 7.89% | 10.01% | 8.59% | 7.70% | 7.31% | 6.09% | 7.08% | 8.77% | +107 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 | 64.99% | 52.73% | 55.84% | 68.16% | 65.84% | 80.52% | 81.10% | 68.02% | -14 bps | |
| Liquid Assets / Assets | 44.22% | 45.15% | 51.56% | 39.54% | 48.35% | 30.11% | 34.29% | 40.83% | +129 bps | |