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Newport Mesa

Newport Beach, CA · Charter 14092

Q2 2001

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: 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.

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

Newport Mesa

Newport Beach, CA · Charter 14092

Q2 2001

$30.1MAssets
$18.6MLoans
$27.7MShares
$2.2MNet Worth

Executive Summary

  • Earnings: ROA of 0.16%, down 339 bps year over year; NIM at 3.86%.
  • Asset quality: problem loans at 0.82% of loans (-65 bps YoY).
  • Capital: net worth / assets of 7.31%.
  • Funding: loans stand at 67.28% of shares as of Q2 2001.

Return on Assets (YTD, annualized)

0.16%-339 bps YoY

Net Interest Margin (YTD, annualized)

3.86%

Efficiency Ratio (YTD, annualized)

85.34%

Net Worth / Assets

7.31%

Year to date, annualized, through each quarter.

MetricQ4 1997Q2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000Q2 2001YoY ΔTrend
Earnings
Return on Assets4.15%3.83%3.81%3.55%0.52%0.81%0.63%0.16%-339 bps
Return on Equityn/an/an/an/an/an/a8.26%2.24%n/a
Net Interest Marginn/an/an/an/a3.85%4.17%4.27%3.86%n/a
Efficiency Ration/an/an/an/a84.43%79.19%79.15%85.34%n/a
Growth
Asset Growth (YoY)-4.18%-0.20%7.10%3.48%5.82%1.76%0.66%5.37%+189 bps
Loan Growth (YoY)20.54%14.17%11.57%-3.40%-4.77%5.78%14.10%22.94%+2,634 bps
Share Growth (YoY)-5.00%-2.58%4.63%2.37%5.29%1.92%-0.07%4.89%+252 bps
Asset Quality
Delinquent Loans / Loans1.41%1.32%0.90%1.47%1.66%1.82%1.26%0.82%-65 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.66%0.65%0.58%0.62%0.57%0.65%0.62%0.75%+13 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/a7.65%7.31%n/a
Net Worth / Assetsn/an/an/an/an/an/a7.65%7.31%n/a
Liquidity & Funding
Loans / Shares68.91%62.72%62.24%57.41%62.33%65.10%71.07%67.28%+987 bps
Liquid Assets / Assets13.45%31.22%32.24%26.39%20.91%14.71%14.57%15.05%-1,134 bps