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Shell Southwest

Long Beach, CA · Charter 4220

Q4 2011

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2011, the quarter ended December 31, 2011, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Shell Southwest

Long Beach, CA · Charter 4220

Q4 2011

$10.9MAssets
$5.7MLoans
$10.0MShares
$748KNet 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 -4.70%, down 15 bps year over year; NIM at 4.73%.
  • Asset quality: problem loans at 1.85% of loans (+124 bps YoY).
  • Capital: net worth / assets of 6.88%, down 308 bps from a year ago.
  • Funding: loans stand at 56.51% of shares as of Q4 2011.

Financial Results

Return on Assets (YTD, annualized)

-4.70%-15 bps YoY

Net Interest Margin (YTD, annualized)

4.73%+27 bps YoY

Efficiency Ratio (YTD, annualized)

127.51%+701 bps YoY

Net Worth / Assets

6.88%-308 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2010Q1 2011Q2 2011Q3 2011Q4 2011YoY ΔTrend
Earnings
Return on Assets-4.55%-7.17%-7.69%-5.11%-4.70%-15 bps
Return on Equity-45.65%-90.77%-116.66%-75.38%-68.33%-2,268 bps
Net Interest Margin4.46%4.52%4.38%4.39%4.73%+27 bps
Efficiency Ratio120.50%102.27%107.36%110.74%127.51%+701 bps
Growth
Asset Growth (YoY)-7.44%-8.64%-18.43%-18.49%-18.17%-1,073 bps
Loan Growth (YoY)-15.55%-17.93%-25.00%-25.07%-24.30%-875 bps
Share Growth (YoY)-2.83%-1.51%-10.27%-12.76%-15.73%-1,290 bps
Asset Quality
Delinquent Loans / Loans0.61%7.58%1.93%1.99%1.85%+124 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans4.80%7.35%8.47%7.11%6.81%+201 bps
Capital
Risk-Based Capital9.96%7.90%6.59%6.77%6.88%-308 bps
Net Worth / Assets9.96%7.90%6.59%6.77%6.88%-308 bps
Liquidity & Funding
Loans / Shares62.91%57.51%56.97%54.62%56.51%-640 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps