Antioch, CA · Charter 13773
Q2 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2000, the quarter ended June 30, 2000, 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.
Antioch, CA · Charter 13773
Q2 2000
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 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.52% | 4.38% | 3.30% | -8.76% | -0.99% | -551 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | 3.69% | 4.36% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | 88.21% | 103.72% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 101.62% | 103.54% | 100.63% | 31.85% | 8.10% | -9,352 bps | |
| Loan Growth (YoY) | 100.09% | 75.88% | 67.80% | 42.45% | 21.18% | -7,891 bps | |
| Share Growth (YoY) | 114.58% | 114.85% | 111.89% | 40.42% | 19.96% | -9,462 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.08% | 1.56% | 2.07% | 1.46% | 1.45% | -63 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.70% | 0.43% | 0.95% | 7.48% | 4.87% | +417 bps | |
| Capital | |||||||
| Risk-Based Capital | 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 |
| Liquidity & Funding | |||||||
| Loans / Shares | 89.88% | 84.18% | 77.86% | 90.66% | 90.80% | +92 bps | |
| Liquid Assets / Assets | 12.02% | 15.43% | 12.88% | 2.05% | 4.05% | -797 bps | |