Placentia, CA · Charter 16399
Q2 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2012, the quarter ended June 30, 2012, 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.
Placentia, CA · Charter 16399
Q2 2012
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 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.07% | -1.00% | -0.51% | 0.22% | -4.16% | -422 bps | |
| Return on Equity | 0.81% | -13.34% | -6.53% | 2.82% | -66.65% | -6,745 bps | |
| Net Interest Margin | 3.92% | 3.91% | 3.94% | 3.52% | 3.64% | -28 bps | |
| Efficiency Ratio | 77.33% | 83.79% | 82.31% | 93.74% | 145.35% | +6,802 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.24% | -9.75% | -7.10% | -4.44% | -7.05% | -381 bps | |
| Loan Growth (YoY) | -16.57% | -16.13% | -10.97% | -20.68% | -26.94% | -1,037 bps | |
| Share Growth (YoY) | 0.84% | -10.26% | -6.88% | -4.46% | -6.40% | -725 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 7.80% | 6.38% | 6.88% | 7.53% | 4.58% | -322 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 7.01% | 5.98% | 6.33% | 6.83% | 6.15% | -86 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.27% | 7.50% | 7.82% | 7.73% | 6.24% | -204 bps | |
| Net Worth / Assets | 8.27% | 7.50% | 7.82% | 7.73% | 6.24% | -204 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 73.63% | 69.67% | 67.20% | 59.63% | 57.47% | -1,616 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |