Woodland, CA · Charter 24507
Q4 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2000, the quarter ended December 31, 2000, 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.
Woodland, CA · Charter 24507
Q4 2000
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 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.05% | 4.15% | -0.04% | 0.10% | -2.02% | -607 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | -16.13% | n/a | n/a |
| Net Interest Margin | n/a | n/a | 4.49% | 3.31% | 4.20% | n/a | |
| Efficiency Ratio | n/a | n/a | 85.13% | 94.98% | 121.14% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -1.99% | 4.39% | 3.17% | -1.42% | -19.64% | -1,765 bps | |
| Loan Growth (YoY) | 4.93% | 22.64% | 12.00% | 2.10% | -17.46% | -2,239 bps | |
| Share Growth (YoY) | -1.43% | 5.18% | 3.27% | -2.10% | -19.41% | -1,799 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.65% | 7.79% | 0.00% | 7.97% | 17.47% | +1,382 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.46% | 1.30% | 2.28% | 2.46% | 1.83% | +38 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 12.53% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 12.53% | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 84.35% | 91.53% | 88.68% | 83.53% | 86.39% | +204 bps | |
| Liquid Assets / Assets | 26.04% | 17.30% | 18.02% | 23.02% | 0.00% | -2,604 bps | |