Fresno, CA · Charter 17419
Q1 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2012, the quarter ended March 31, 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.
Fresno, CA · Charter 17419
Q1 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 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.00% | -0.13% | -0.33% | -0.52% | -0.24% | -24 bps | |
| Return on Equity | 0.01% | -1.64% | -4.19% | -6.61% | -3.03% | -303 bps | |
| Net Interest Margin | 2.43% | 2.29% | 2.30% | 2.27% | 2.08% | -35 bps | |
| Efficiency Ratio | 99.98% | 105.57% | 114.32% | 122.83% | 111.35% | +1,137 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 13.79% | 14.90% | 8.94% | 4.96% | -2.35% | -1,615 bps | |
| Loan Growth (YoY) | -14.25% | -13.41% | -9.14% | -13.89% | -18.03% | -378 bps | |
| Share Growth (YoY) | 15.48% | 16.85% | 10.58% | 6.26% | -1.93% | -1,741 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.20% | 0.21% | 0.21% | 0.24% | 0.25% | +5 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.20% | 7.83% | 7.87% | 7.88% | 7.81% | -38 bps | |
| Net Worth / Assets | 8.20% | 7.83% | 7.87% | 7.88% | 7.81% | -38 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 50.53% | 46.98% | 48.17% | 44.43% | 42.24% | -830 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |