PackageTrendsPeer
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Pacific Trust

Chula Vista, CA · Charter 4449

Q4 1999

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 1999, the quarter ended December 31, 1999, 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

Pacific Trust

Chula Vista, CA · Charter 4449

Q4 1999

$224.0MAssets
$148.2MLoans
$199.2MShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 1.17%, down 440 bps year over year; NIM at 3.64%.
  • Asset quality: problem loans at 0.24% of loans (-82 bps YoY).
  • Funding: loans stand at 74.38% of shares as of Q4 1999.

Return on Assets (YTD, annualized)

1.17%-440 bps YoY

Net Interest Margin (YTD, annualized)

3.64%

Efficiency Ratio (YTD, annualized)

69.47%

Net Worth / Assets

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ1 1998Q2 1998Q3 1998Q4 1998Q1 1999Q2 1999Q3 1999Q4 1999YoY ΔTrend
Earnings
Return on Assets5.28%6.53%5.94%5.57%4.44%4.54%1.22%1.17%-440 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/a3.55%3.64%n/a
Efficiency Ration/an/an/an/an/an/a68.30%69.47%n/a
Growth
Asset Growth (YoY)5.47%5.54%5.42%4.09%5.47%2.55%1.46%-2.14%-622 bps
Loan Growth (YoY)1.44%-7.87%-7.97%-6.33%-7.03%2.28%3.00%4.37%+1,070 bps
Share Growth (YoY)4.26%3.56%3.56%2.18%3.77%1.57%0.50%-3.31%-548 bps
Asset Quality
Delinquent Loans / Loans0.46%0.54%0.96%1.06%0.38%0.30%0.17%0.24%-82 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.23%0.75%0.75%0.73%0.73%0.72%0.82%0.87%+14 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares75.50%69.82%69.61%68.91%67.65%70.31%71.35%74.38%+547 bps
Liquid Assets / Assets21.48%26.33%29.36%22.59%22.17%16.73%0.99%2.55%-2,005 bps