Sacramento, CA · Charter 8697
Q4 2014
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.02% | 0.00% | -0.12% | -0.06% | 0.06% | -0.21% | -0.21% | -0.24% | -17 bps | |
| Return on Equity | 0.18% | 0.05% | -1.29% | -0.69% | 0.59% | -2.26% | -2.22% | -2.60% | -192 bps | |
| Net Interest Margin | 2.67% | 2.64% | 2.64% | 2.71% | 2.81% | 2.82% | 2.88% | 2.88% | +16 bps | |
| Efficiency Ratio | 88.87% | 94.49% | 100.04% | 99.25% | 98.42% | 101.88% | 99.17% | 101.78% | +253 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.67% | -0.79% | -3.84% | -2.36% | -0.12% | -0.67% | -0.89% | 0.51% | +286 bps | |
| Loan Growth (YoY) | -5.39% | -4.46% | -4.46% | -0.64% | 1.34% | -3.73% | -3.67% | -7.32% | -668 bps | |
| Share Growth (YoY) | -3.73% | 0.01% | -4.00% | -2.83% | -0.30% | -0.70% | -1.43% | 0.55% | +338 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.35% | 4.23% | 4.30% | 4.20% | 3.19% | 0.18% | 0.09% | 0.12% | -408 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 | 3.15% | 2.95% | 2.96% | 2.87% | 2.35% | 1.76% | 1.91% | 1.94% | -94 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.37% | 9.30% | 9.28% | 9.43% | 9.33% | 9.20% | 9.23% | 9.15% | -29 bps | |
| Net Worth / Assets | 9.37% | 9.30% | 9.28% | 9.43% | 9.33% | 9.20% | 9.23% | 9.15% | -29 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 62.53% | 61.60% | 61.60% | 65.00% | 63.56% | 59.72% | 60.20% | 59.92% | -509 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |