Bakersfield, CA · Charter 10071
Q3 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2006, the quarter ended September 30, 2006, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Bakersfield, CA · Charter 10071
Q3 2006
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.60% | -0.49% | 0.06% | -0.18% | -0.29% | -89 bps | |
| Return on Equity | 5.11% | -4.58% | 0.55% | -1.68% | -2.75% | -786 bps | |
| Net Interest Margin | 0.78% | -0.30% | 0.17% | -0.06% | -0.14% | -92 bps | |
| Efficiency Ratio | 17.24% | n/a | 74.42% | n/a | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 6.12% | 4.24% | 4.89% | 1.07% | 0.00% | -612 bps | |
| Loan Growth (YoY) | -7.98% | -5.17% | -1.60% | 0.77% | 2.83% | +1,081 bps | |
| Share Growth (YoY) | 7.34% | 6.56% | 6.88% | 4.69% | 3.10% | -424 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.49% | 0.33% | 0.11% | 0.15% | 0.12% | -37 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.34% | 0.37% | 0.36% | 0.34% | 0.32% | -1 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.73% | 10.80% | 10.81% | 10.90% | 10.57% | -116 bps | |
| Net Worth / Assets | 11.73% | 10.80% | 10.81% | 10.90% | 10.57% | -116 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 20.98% | 20.56% | 20.40% | 20.92% | 20.92% | -5 bps | |
| Liquid Assets / Assets | 7.56% | 6.99% | 7.60% | 0.00% | 0.00% | -756 bps | |