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Raysan

Goleta, CA · Charter 12311

Q3 2006

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

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.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Raysan

Goleta, CA · Charter 12311

Q3 2006

$38.3MAssets
$26.4MLoans
$33.7MShares
$4.3MNet Worth

Executive Summary

  • Earnings: ROA of -5.01%, down 501 bps year over year; NIM at -3.72%.
  • Asset quality: problem loans at 0.92% of loans (+48 bps YoY).
  • Capital: net worth / assets of 11.13%, down 204 bps from a year ago.
  • Funding: loans stand at 78.42% of shares as of Q3 2006.

Return on Assets (YTD, annualized)

-5.01%-501 bps YoY

Net Interest Margin (YTD, annualized)

-3.72%-755 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

11.13%-204 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2004Q1 2005Q2 2005Q3 2005Q4 2005Q1 2006Q2 2006Q3 2006YoY ΔTrend
Earnings
Return on Assets0.22%0.05%0.13%-0.01%-0.18%-0.63%-0.69%-5.01%-501 bps
Return on Equity1.74%0.40%0.95%-0.04%-1.31%-4.59%-4.95%-45.03%-4,499 bps
Net Interest Margin3.55%3.80%3.76%3.83%4.08%3.83%3.96%-3.72%-755 bps
Efficiency Ratio84.62%92.35%98.03%100.82%101.43%106.89%112.20%n/an/a
Growth
Asset Growth (YoY)-3.76%-8.62%-7.48%-4.89%-8.33%-5.36%-9.99%-15.67%-1,078 bps
Loan Growth (YoY)0.30%12.09%27.28%29.35%21.84%18.79%14.54%9.27%-2,008 bps
Share Growth (YoY)-5.21%-9.22%-8.82%-6.53%-9.13%-5.74%-13.74%-13.01%-648 bps
Asset Quality
Delinquent Loans / Loans1.15%0.96%0.49%0.44%0.36%0.12%0.07%0.92%+48 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans2.06%1.87%1.35%0.93%1.14%1.11%0.99%0.90%-4 bps
Capital
Risk-Based Capital12.88%13.35%13.19%13.17%13.86%13.75%14.05%11.13%-204 bps
Net Worth / Assets12.88%13.35%13.19%13.17%13.86%13.75%14.05%11.13%-204 bps
Liquidity & Funding
Loans / Shares50.31%55.44%59.78%62.43%67.45%69.87%79.38%78.42%+1,599 bps
Liquid Assets / Assets17.84%14.09%12.96%12.74%11.96%12.58%0.00%0.00%-1,274 bps