Thousand Oaks, CA · Charter 21228
Q1 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2003, the quarter ended March 31, 2003, 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.
Thousand Oaks, CA · Charter 21228
Q1 2003
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 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.00% | 0.32% | 0.46% | 0.50% | -2.86% | -286 bps | |
| Return on Equity | 0.00% | 3.23% | 4.74% | 4.84% | -29.84% | -2,984 bps | |
| Net Interest Margin | 5.49% | 4.81% | 4.64% | 4.82% | 3.85% | -164 bps | |
| Efficiency Ratio | 75.32% | 81.66% | 77.54% | 77.55% | 125.60% | +5,027 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 17.35% | 14.45% | 11.45% | 5.96% | 4.07% | -1,328 bps | |
| Loan Growth (YoY) | 15.38% | -4.72% | -20.84% | -30.33% | -36.43% | -5,180 bps | |
| Share Growth (YoY) | 19.75% | 16.35% | 12.34% | 8.56% | 5.85% | -1,390 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.70% | 2.67% | 5.24% | 3.50% | 2.66% | -5 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.45% | 2.40% | 2.99% | 2.45% | 3.19% | +74 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.24% | 9.76% | 9.78% | 10.31% | 9.60% | -64 bps | |
| Net Worth / Assets | 10.24% | 9.76% | 9.78% | 10.31% | 9.60% | -64 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 90.61% | 71.87% | 64.00% | 59.74% | 54.42% | -3,619 bps | |
| Liquid Assets / Assets | 18.27% | 34.16% | 41.15% | 39.80% | 47.19% | +2,892 bps | |