Newport Beach, CA · Charter 14092
Q2 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2001, the quarter ended June 30, 2001, 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.
Newport Beach, CA · Charter 14092
Q2 2001
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 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.55% | 0.52% | 0.81% | 0.63% | 0.16% | -339 bps | |
| Return on Equity | n/a | n/a | n/a | 8.26% | 2.24% | n/a | |
| Net Interest Margin | n/a | 3.85% | 4.17% | 4.27% | 3.86% | n/a | |
| Efficiency Ratio | n/a | 84.43% | 79.19% | 79.15% | 85.34% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 3.48% | 5.82% | 1.76% | 0.66% | 5.37% | +189 bps | |
| Loan Growth (YoY) | -3.40% | -4.77% | 5.78% | 14.10% | 22.94% | +2,634 bps | |
| Share Growth (YoY) | 2.37% | 5.29% | 1.92% | -0.07% | 4.89% | +252 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.47% | 1.66% | 1.82% | 1.26% | 0.82% | -65 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.62% | 0.57% | 0.65% | 0.62% | 0.75% | +13 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | 7.65% | 7.31% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | 7.65% | 7.31% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 57.41% | 62.33% | 65.10% | 71.07% | 67.28% | +987 bps | |
| Liquid Assets / Assets | 26.39% | 20.91% | 14.71% | 14.57% | 15.05% | -1,134 bps | |