Napa, CA · Charter 18709
Q1 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2007, the quarter ended March 31, 2007, 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 18709
Q1 2007
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 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.21% | 0.01% | -0.06% | -0.21% | -8.11% | -832 bps | |
| Return on Equity | 1.26% | 0.03% | -0.34% | -1.19% | -51.42% | -5,268 bps | |
| Net Interest Margin | 4.27% | 4.50% | 4.78% | 4.74% | 4.81% | +53 bps | |
| Efficiency Ratio | 95.84% | 96.73% | 98.09% | 99.13% | 232% | +13,650 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -9.39% | -10.24% | -13.97% | -7.46% | -10.00% | -61 bps | |
| Loan Growth (YoY) | 10.88% | 19.89% | 18.14% | 18.40% | 21.90% | +1,102 bps | |
| Share Growth (YoY) | -11.67% | -11.84% | -17.20% | -10.28% | -8.95% | +273 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.33% | 0.15% | 0.24% | 0.24% | 0.01% | -32 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.26% | 0.28% | 0.27% | 0.29% | 0.22% | -4 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.26% | 16.81% | 17.68% | 17.29% | 15.77% | -49 bps | |
| Net Worth / Assets | 16.26% | 16.81% | 17.68% | 17.29% | 15.77% | -49 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 67.79% | 75.96% | 86.86% | 90.81% | 90.76% | +2,297 bps | |
| Liquid Assets / Assets | 29.84% | 0.00% | 0.00% | 0.00% | 0.00% | -2,984 bps | |