Napa, CA · Charter 15086
Q4 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2006, the quarter ended December 31, 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.
Napa, CA · Charter 15086
Q4 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 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.80% | -0.21% | -0.36% | -0.59% | -1.42% | -62 bps | |
| Return on Equity | -8.65% | -2.36% | -3.86% | -6.31% | -15.82% | -718 bps | |
| Net Interest Margin | 4.94% | 4.60% | 4.96% | 5.14% | 5.43% | +48 bps | |
| Efficiency Ratio | 98.95% | 96.98% | 99.21% | 100.14% | 111.72% | +1,277 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.57% | 4.13% | -4.07% | -8.77% | -10.80% | -922 bps | |
| Loan Growth (YoY) | -4.94% | -0.97% | 8.82% | 16.49% | 17.07% | +2,201 bps | |
| Share Growth (YoY) | -1.29% | 5.85% | -4.04% | -11.20% | -13.60% | -1,231 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.77% | 0.57% | 0.54% | 0.46% | 0.10% | -167 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.60% | 0.59% | 0.58% | 0.85% | 0.82% | +22 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.28% | 8.71% | 9.24% | 9.38% | 8.99% | -30 bps | |
| Net Worth / Assets | 9.28% | 8.71% | 9.24% | 9.38% | 8.99% | -30 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 72.57% | 67.66% | 81.33% | 91.24% | 98.33% | +2,576 bps | |
| Liquid Assets / Assets | 28.29% | 32.69% | 0.00% | 0.00% | 0.00% | -2,829 bps | |