PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Pacific Service

Walnut Creek, CA · Charter 24525

Q3 1999

$562.1MAssets
$289.8MLoans
$494.4MShares
n/aNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.44%, down 391 bps year over year; NIM at 3.05%.
  • Asset quality: problem loans at 0.17% of loans (-13 bps YoY).
  • Funding: loans stand at 58.62% of shares as of Q3 1999.

Financial Results

Return on Assets (YTD, annualized)

1.44%-391 bps YoY

Net Interest Margin (YTD, annualized)

3.05%

Efficiency Ratio (YTD, annualized)

50.51%

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ3 1998Q4 1998Q1 1999Q2 1999Q3 1999YoY ΔTrend
Earnings
Return on Assets5.35%5.00%5.24%5.13%1.44%-391 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a3.05%n/an/a
Efficiency Ration/an/an/an/a50.51%n/an/a
Growth
Asset Growth (YoY)10.07%10.24%10.26%8.44%8.20%-187 bps
Loan Growth (YoY)6.20%2.68%-0.85%1.84%7.85%+166 bps
Share Growth (YoY)10.37%11.46%10.85%9.27%9.32%-105 bps
Asset Quality
Delinquent Loans / Loans0.30%0.26%0.21%0.16%0.17%-13 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.29%1.34%1.41%1.38%1.30%+1 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares59.42%57.96%54.20%55.39%58.62%-80 bps
Liquid Assets / Assets16.20%22.92%22.25%14.95%11.09%-511 bps