PackageTrendsPeer
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Pacific Life

Newport Beach, CA · Charter 3321

Q2 1999

$18.1MAssets
$7.9MLoans
$16.2MShares
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 3.47%, down 17 bps year over year.
  • Asset quality: problem loans at 0.28% of loans (-65 bps YoY).
  • Funding: loans stand at 48.95% of shares as of Q2 1999.

Financial Results

Return on Assets (quarter, annualized)

3.47%-17 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1997Q4 1997Q2 1998Q4 1998Q2 1999YoY ΔTrend
Earnings
Return on Assets3.64%3.93%3.32%2.94%3.47%-17 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)9.03%3.96%8.92%22.91%22.40%+1,337 bps
Loan Growth (YoY)2.08%4.90%15.91%26.39%14.17%+1,208 bps
Share Growth (YoY)8.06%2.68%8.12%25.07%24.99%+1,693 bps
Asset Quality
Delinquent Loans / Loans0.93%1.03%0.44%0.22%0.28%-65 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.58%1.47%1.24%0.90%0.95%-63 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 / Shares53.59%60.91%54.34%55.05%48.95%-464 bps
Liquid Assets / Assets21.13%29.42%17.52%24.54%16.61%-452 bps