Stockton, CA · Charter 7638
Q2 1997
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 | Q2 1994 | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|
| Earnings | |||||||||
| Return on Assets | 3.07% | 3.13% | 3.66% | 3.71% | 3.60% | 3.42% | 3.19% | -47 bps | |
| Return on Equity | 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 |
| Efficiency Ratio | 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 | n/a | n/a | 18.25% | 23.23% | 9.30% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | 27.25% | 15.89% | 5.37% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | 20.69% | 27.47% | 10.10% | n/a | |
| Asset Quality | |||||||||
| Delinquent Loans / Loans | 0.24% | 0.33% | 0.22% | 0.36% | 0.77% | 1.16% | 1.16% | +94 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.03% | 1.06% | 1.00% | 1.06% | 0.90% | 0.84% | 0.85% | -15 bps | |
| Capital | |||||||||
| Risk-Based Capital | 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 |
| Liquidity & Funding | |||||||||
| Loans / Shares | 78.63% | 88.55% | 82.92% | 82.20% | 82.91% | 80.50% | 79.35% | -357 bps | |
| Liquid Assets / Assets | 21.61% | 13.67% | 18.04% | 16.20% | 14.48% | 16.54% | 12.68% | -536 bps | |