Atascadero, CA · Charter 3343
Q3 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2006, the quarter ended September 30, 2006, 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.
Atascadero, CA · Charter 3343
Q3 2006
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 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.05% | 1.20% | -0.65% | -0.35% | 0.11% | -94 bps | |
| Return on Equity | 11.02% | 12.20% | -6.90% | -3.52% | 1.09% | -993 bps | |
| Net Interest Margin | 4.49% | 4.34% | 3.68% | 3.87% | 3.99% | -50 bps | |
| Efficiency Ratio | 75.07% | 75.95% | 88.87% | 87.54% | 84.21% | +915 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -9.09% | -5.57% | -8.00% | -1.89% | -0.51% | +858 bps | |
| Loan Growth (YoY) | -5.58% | -6.02% | -11.84% | -5.12% | -2.85% | +273 bps | |
| Share Growth (YoY) | -11.77% | -11.97% | -1.47% | 0.58% | -0.12% | +1,165 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.08% | 0.27% | 0.19% | 0.12% | 0.19% | +11 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.31% | 0.23% | 0.33% | 0.44% | 0.34% | +3 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.54% | 9.87% | 9.44% | 9.81% | 10.10% | +56 bps | |
| Net Worth / Assets | 9.54% | 9.87% | 9.44% | 9.81% | 10.10% | +56 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 98.83% | 101.97% | 93.88% | 95.67% | 96.13% | -270 bps | |
| Liquid Assets / Assets | 6.47% | 8.32% | 10.98% | 0.00% | 0.00% | -647 bps | |