Port Townsend, WA · Charter 24699
Q3 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2012, the quarter ended September 30, 2012, 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.
Port Townsend, WA · Charter 24699
Q3 2012
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 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.16% | 0.19% | -0.36% | -1.97% | -1.34% | -150 bps | |
| Return on Equity | 2.37% | 2.97% | -5.83% | -36.10% | -24.36% | -2,673 bps | |
| Net Interest Margin | 3.98% | 3.82% | 3.36% | 3.46% | 3.44% | -54 bps | |
| Efficiency Ratio | 86.30% | 87.44% | 98.75% | 126.90% | 109.68% | +2,338 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.77% | 1.90% | 6.77% | 6.48% | 2.26% | -451 bps | |
| Loan Growth (YoY) | -15.09% | -14.85% | -12.32% | -10.69% | -12.04% | +304 bps | |
| Share Growth (YoY) | 8.34% | 2.66% | 7.37% | 8.11% | 3.41% | -493 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.79% | 3.02% | 4.39% | 5.01% | 5.49% | +70 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.07% | 1.92% | 1.91% | 2.24% | 2.34% | +27 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.60% | 6.54% | 6.22% | 5.45% | 5.52% | -108 bps | |
| Net Worth / Assets | 6.60% | 6.54% | 6.22% | 5.45% | 5.52% | -108 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 61.47% | 57.92% | 53.90% | 54.27% | 52.28% | -919 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |