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North Orange County

Fullerton, CA · Charter 61038

Q2 2012

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: Q2 2012, the quarter ended June 30, 2012, 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

North Orange County

Fullerton, CA · Charter 61038

Q2 2012

$62.2MAssets
$6.0MLoans
$53.0MShares
$8.9MNet Worth

Executive Summary

  • Earnings: ROA of -0.40%, down 46 bps year over year; NIM at 1.10%.
  • Asset quality: problem loans at 0.11% of loans (-31 bps YoY).
  • Capital: net worth / assets of 14.27%, down 89 bps from a year ago.
  • Funding: loans stand at 11.26% of shares as of Q2 2012.

Return on Assets (YTD, annualized)

-0.40%-46 bps YoY

Net Interest Margin (YTD, annualized)

1.10%-62 bps YoY

Efficiency Ratio (YTD, annualized)

129.35%+3,439 bps YoY

Net Worth / Assets

14.27%-89 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2010Q3 2010Q1 2011Q2 2011Q3 2011Q4 2011Q1 2012Q2 2012YoY ΔTrend
Earnings
Return on Assets0.85%0.40%-0.05%0.06%-0.20%-0.20%-0.38%-0.40%-46 bps
Return on Equity5.70%2.67%-0.34%0.41%-1.36%-1.36%-2.69%-2.81%-322 bps
Net Interest Margin2.42%2.27%1.70%1.71%1.63%1.57%1.11%1.10%-62 bps
Efficiency Ratio69.44%77.58%98.68%94.95%109.16%109.18%127.97%129.35%+3,439 bps
Growth
Asset Growth (YoY)2.52%1.87%3.29%-0.07%0.79%-0.07%2.41%3.13%+320 bps
Loan Growth (YoY)-19.02%-26.42%-30.00%-30.11%-33.80%-27.65%-28.29%-26.33%+378 bps
Share Growth (YoY)1.36%-0.60%3.23%-0.46%0.85%2.09%3.11%4.11%+457 bps
Asset Quality
Delinquent Loans / Loans0.63%0.64%0.39%0.42%0.27%0.34%0.24%0.11%-31 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.63%0.68%0.49%0.48%0.44%0.58%0.46%0.41%-7 bps
Capital
Risk-Based Capital14.93%14.98%14.79%15.16%14.80%14.85%14.17%14.27%-89 bps
Net Worth / Assets14.93%14.98%14.79%15.16%14.80%14.85%14.17%14.27%-89 bps
Liquidity & Funding
Loans / Shares21.44%19.17%16.67%15.92%14.07%13.59%11.59%11.26%-465 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps