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Fresno Police Department

Fresno, CA · Charter 62747

Q4 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: Q4 2012, the quarter ended December 31, 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

Fresno Police Department

Fresno, CA · Charter 62747

Q4 2012

$47.2MAssets
$27.3MLoans
$38.1MShares
$8.4MNet 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 -1.01%, down 262 bps year over year; NIM at 3.05%.
  • Asset quality: problem loans at 0.37% of loans (-46 bps YoY).
  • Capital: net worth / assets of 17.78%, down 237 bps from a year ago.
  • Funding: loans stand at 71.79% of shares as of Q4 2012.

Financial Results

Return on Assets (YTD, annualized)

-1.01%-262 bps YoY

Net Interest Margin (YTD, annualized)

3.05%-56 bps YoY

Efficiency Ratio (YTD, annualized)

114.65%+5,427 bps YoY

Net Worth / Assets

17.78%-237 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2011Q1 2012Q2 2012Q3 2012Q4 2012YoY ΔTrend
Earnings
Return on Assets1.62%2.25%2.40%1.90%-1.01%-262 bps
Return on Equity8.02%11.27%12.02%9.50%-5.67%-1,369 bps
Net Interest Margin3.61%2.68%2.92%3.01%3.05%-56 bps
Efficiency Ratio60.38%49.99%46.83%53.55%114.65%+5,427 bps
Growth
Asset Growth (YoY)2.60%7.73%10.48%8.40%7.35%+475 bps
Loan Growth (YoY)-5.31%-5.20%-4.54%-2.57%-1.35%+396 bps
Share Growth (YoY)0.04%7.73%10.50%9.49%9.42%+938 bps
Asset Quality
Delinquent Loans / Loans0.83%0.22%0.28%0.32%0.37%-46 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.62%0.68%0.90%0.84%0.91%+29 bps
Capital
Risk-Based Capital20.15%19.94%19.98%19.95%17.78%-237 bps
Net Worth / Assets20.15%19.94%19.98%19.95%17.78%-237 bps
Liquidity & Funding
Loans / Shares79.62%75.28%72.79%71.27%71.79%-784 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps