Vacaville, CA · Charter 7462
Q3 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 1997 | Q1 1998 | Q2 1998 | Q3 1998 | Q4 1998 | Q1 1999 | Q2 1999 | Q3 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.30% | 4.19% | 4.17% | 4.20% | 4.08% | 4.08% | 4.03% | 0.75% | -345 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 | 3.72% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 71.28% | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.25% | 8.50% | 9.30% | 9.95% | 12.44% | 10.90% | 9.56% | 8.51% | -144 bps | |
| Loan Growth (YoY) | 6.82% | 5.70% | 9.00% | 11.56% | 9.73% | 8.69% | 4.39% | 3.44% | -812 bps | |
| Share Growth (YoY) | 7.31% | 8.79% | 9.89% | 10.32% | 13.31% | 11.52% | 10.12% | 9.27% | -104 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.65% | 0.67% | 0.66% | 0.59% | 0.73% | 0.69% | 0.56% | 0.57% | -2 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 | 1.00% | 1.18% | 1.22% | 1.21% | 1.28% | 1.33% | 1.39% | 1.42% | +21 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 | 69.84% | 67.71% | 69.66% | 71.25% | 67.63% | 65.99% | 66.03% | 67.45% | -380 bps | |
| Liquid Assets / Assets | 19.82% | 17.86% | 16.49% | 17.17% | 20.21% | 24.26% | 13.85% | 14.81% | -236 bps | |