Fort Bragg, CA · Charter 7893
Q3 2013
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.03% | 0.11% | 0.14% | 0.07% | 0.08% | 0.21% | 0.30% | -1.48% | -155 bps | |
| Return on Equity | 0.44% | 1.46% | 1.79% | 0.97% | 1.08% | 2.82% | 4.02% | -24.48% | -2,545 bps | |
| Net Interest Margin | 2.73% | 2.60% | 2.62% | 2.52% | 2.47% | 2.82% | 2.78% | 2.68% | +17 bps | |
| Efficiency Ratio | 100.02% | 96.34% | 94.05% | 94.56% | 95.29% | 92.08% | 92.10% | 144.57% | +5,001 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.68% | 8.24% | 9.31% | 13.63% | 12.54% | 3.37% | 2.35% | 0.31% | -1,332 bps | |
| Loan Growth (YoY) | -1.78% | 9.18% | 8.70% | 11.77% | 14.15% | 12.42% | 10.51% | 6.74% | -503 bps | |
| Share Growth (YoY) | 9.19% | 8.79% | 10.92% | 14.60% | 13.20% | 3.14% | 1.32% | 0.00% | -1,461 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.59% | 0.21% | 0.05% | 0.06% | 0.03% | 0.13% | 0.08% | 0.16% | +10 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 | 0.30% | 0.35% | 0.16% | 0.26% | 0.24% | 0.21% | 0.15% | 0.15% | -11 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.77% | 7.52% | 7.54% | 7.16% | 6.98% | 7.37% | 7.53% | 6.05% | -110 bps | |
| Net Worth / Assets | 7.77% | 7.52% | 7.54% | 7.16% | 6.98% | 7.37% | 7.53% | 6.05% | -110 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 49.17% | 48.96% | 49.94% | 49.41% | 49.58% | 53.36% | 54.47% | 52.75% | +333 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |