PackageTrendsPeer
Letter portraitLegal landscape

C. I. P.

Santa Fe Spring, CA · Charter 20084

Q4 2008

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: Q4 2008, the quarter ended December 31, 2008, 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

C. I. P.

Santa Fe Spring, CA · Charter 20084

Q4 2008

$0KAssets
$0KLoans
$0KShares
$0KNet Worth

Executive Summary

  • Earnings: ROA of -6758700.00%, down 675,870,049 bps year over year; NIM at -6383450.00%.
  • Capital: net worth / assets of 0.00%, down 3,674 bps from a year ago.
  • Funding: loans stand at 0.00% of shares as of Q4 2008.

Return on Assets (YTD, annualized)

-6758700%-675,870,049 bps YoY

Net Interest Margin (YTD, annualized)

-6383450%-638,345,215 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

0.00%-3,674 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2007Q2 2007Q3 2007Q4 2007Q1 2008Q2 2008Q3 2008Q4 2008YoY ΔTrend
Earnings
Return on Assets-0.13%0.25%0.36%0.49%0.44%-0.03%-45.02%-6758700%-675,870,049 bps
Return on Equity-0.35%0.69%0.97%1.34%1.19%-0.07%-2886%n/an/a
Net Interest Margin0.52%2.47%2.42%2.15%2.82%2.27%-42.80%-6383450%-638,345,215 bps
Efficiency Ratio122.48%90.03%85.40%77.36%84.32%101.12%n/an/an/a
Growth
Asset Growth (YoY)-19.72%-19.77%-8.32%0.73%-2.90%3.45%4.32%-100.00%-10,073 bps
Loan Growth (YoY)-100.00%-100.00%-100.00%-100.00%n/an/an/an/an/a
Share Growth (YoY)-27.76%-28.25%-13.08%0.37%-5.37%5.07%59.32%-100.00%-10,036 bps
Asset Quality
Delinquent Loans / Loansn/an/an/an/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Capital
Risk-Based Capital35.38%36.51%36.65%36.74%37.03%35.63%1.56%0.00%-3,674 bps
Net Worth / Assets35.38%36.51%36.65%36.74%37.03%35.63%1.56%0.00%-3,674 bps
Liquidity & Funding
Loans / Shares0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps