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Pacific Retailers Omni

Portland, OR · Charter 2311

Q2 2001

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: Q2 2001, the quarter ended June 30, 2001, 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

Pacific Retailers Omni

Portland, OR · Charter 2311

Q2 2001

$3.6MAssets
$2.4MLoans
$2.9MShares
$657KNet Worth

Executive Summary

  • Earnings: ROA of -0.41%, down 446 bps year over year; NIM at 5.03%.
  • Asset quality: problem loans at 7.81% of loans (+657 bps YoY).
  • Capital: net worth / assets of 18.45%.
  • Funding: loans stand at 81.67% of shares as of Q2 2001.

Return on Assets (YTD, annualized)

-0.41%-446 bps YoY

Net Interest Margin (YTD, annualized)

5.03%

Efficiency Ratio (YTD, annualized)

85.79%

Net Worth / Assets

18.45%

Year to date, annualized, through each quarter.

MetricQ4 1997Q2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000Q2 2001YoY ΔTrend
Earnings
Return on Assets3.39%3.80%4.01%4.05%0.58%1.04%1.03%-0.41%-446 bps
Return on Equityn/an/an/an/an/an/a5.22%-2.21%n/a
Net Interest Marginn/an/an/an/a4.86%5.11%5.24%5.03%n/a
Efficiency Ration/an/an/an/a78.29%73.62%76.04%85.79%n/a
Growth
Asset Growth (YoY)18.72%16.12%29.28%24.90%17.95%16.63%3.36%4.85%-2,005 bps
Loan Growth (YoY)19.82%12.70%12.92%2.87%7.36%14.49%7.86%6.90%+403 bps
Share Growth (YoY)23.21%20.39%35.55%29.61%20.51%17.58%2.28%3.94%-2,566 bps
Asset Quality
Delinquent Loans / Loans3.42%1.46%0.26%1.25%0.33%0.44%0.78%7.81%+657 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.84%1.32%1.03%1.80%1.50%1.54%1.67%2.10%+30 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/a19.76%18.45%n/a
Net Worth / Assetsn/an/an/an/an/an/a19.76%18.45%n/a
Liquidity & Funding
Loans / Shares93.88%92.92%84.25%79.40%83.64%90.48%88.84%81.67%+226 bps
Liquid Assets / Assets18.31%17.91%24.88%28.11%25.20%20.13%22.48%27.19%-92 bps