Modesto, CA · Charter 7236
Q4 1998
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 5.43% | 5.03% | 4.11% | 4.37% | 4.36% | 5.18% | 3.99% | 3.15% | -121 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 | n/a | 1.92% | 9.05% | 6.99% | 3.46% | 4.41% | -2.89% | -1,194 bps | |
| Loan Growth (YoY) | n/a | n/a | 6.31% | 8.74% | 7.45% | 12.64% | 12.15% | 6.85% | -189 bps | |
| Share Growth (YoY) | n/a | n/a | 1.55% | 9.80% | 8.12% | 4.31% | 4.49% | -3.19% | -1,299 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.91% | 4.60% | 2.34% | 2.35% | 4.50% | 4.96% | 3.72% | 0.89% | -146 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 | 2.90% | 2.51% | 1.73% | 1.07% | 1.92% | 2.27% | 1.85% | 2.60% | +153 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 | 41.18% | 40.79% | 40.49% | 40.69% | 40.93% | 44.05% | 43.46% | 44.91% | +422 bps | |
| Liquid Assets / Assets | 17.33% | 19.67% | 17.42% | 21.38% | 20.81% | 19.95% | 23.77% | 28.39% | +701 bps | |