PackageTrendsPeer
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Pacific Trust

Chula Vista, CA · Charter 4449

Q4 1999

$224.0MAssets
$148.2MLoans
$199.2MShares
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 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.

Financial Results

Return on Assets (quarter, annualized)

1.17%-440 bps YoY

Net Interest Margin (quarter, annualized)

3.64%

Efficiency Ratio (quarter, annualized)

69.47%

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ4 1998Q1 1999Q2 1999Q3 1999Q4 1999YoY ΔTrend
Earnings
Return on Assets5.57%4.44%4.54%1.22%1.17%-440 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/a3.55%3.64%n/a
Efficiency Ration/an/an/a68.30%69.47%n/a
Growth
Asset Growth (YoY)4.09%5.47%2.55%1.46%-2.14%-622 bps
Loan Growth (YoY)-6.33%-7.03%2.28%3.00%4.37%+1,070 bps
Share Growth (YoY)2.18%3.77%1.57%0.50%-3.31%-548 bps
Asset Quality
Delinquent Loans / Loans1.06%0.38%0.30%0.17%0.24%-82 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.73%0.73%0.72%0.82%0.87%+14 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 / Shares68.91%67.65%70.31%71.35%74.38%+547 bps
Liquid Assets / Assets22.59%22.17%16.73%0.99%2.55%-2,005 bps