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North Island Financial

San Diego, CA · Charter 68452

NCUA · 11 branches

Q4 2016

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 2016, the quarter ended December 31, 2016, 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 Island Financial

San Diego, CA · Charter 68452

NCUA · 11 branches

Q4 2016

$1.3BAssets
$903.5MLoans
$1.1BShares
$142.2MNet Worth

Executive Summary

  • Earnings: ROA of 0.74%, down 16 bps year over year; NIM at 2.84%.
  • Asset quality: problem loans at 0.42% of loans (-15 bps YoY).
  • Capital: net worth / assets of 11.30%, up 6 bps from a year ago.
  • Funding: loans stand at 82.60% of shares as of Q4 2016.

Return on Assets (YTD, annualized)

0.74%-16 bps YoY

Net Interest Margin (YTD, annualized)

2.84%+13 bps YoY

Efficiency Ratio (YTD, annualized)

83.17%+222 bps YoY

Net Worth / Assets

11.30%+6 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2015Q2 2015Q3 2015Q4 2015Q1 2016Q2 2016Q3 2016Q4 2016YoY ΔTrend
Earnings
Return on Assets0.82%0.89%0.88%0.90%0.87%0.91%0.85%0.74%-16 bps
Return on Equity7.71%8.20%8.01%8.02%7.96%8.11%7.52%6.57%-145 bps
Net Interest Margin2.63%2.69%2.69%2.71%2.72%2.84%2.85%2.84%+13 bps
Efficiency Ratio80.94%79.95%81.45%80.95%81.42%79.12%80.54%83.17%+222 bps
Growth
Asset Growth (YoY)2.69%3.50%4.28%3.35%6.08%5.03%5.56%6.48%+313 bps
Loan Growth (YoY)10.71%6.64%8.27%12.63%13.26%11.79%13.11%7.88%-476 bps
Share Growth (YoY)1.29%2.62%3.08%2.69%5.52%4.27%4.70%5.74%+305 bps
Asset Quality
Delinquent Loans / Loans1.01%1.03%0.90%0.57%0.43%0.50%0.40%0.42%-15 bps
Net Charge-Offs / Loansn/an/an/an/a0.11%0.02%n/an/an/a
Allowance / Loans0.90%0.93%0.76%0.62%0.54%0.53%0.51%0.43%-19 bps
Capital
Risk-Based Capital10.62%10.84%11.02%11.24%10.89%11.22%11.31%11.30%+6 bps
Net Worth / Assets10.62%10.84%11.02%11.24%10.89%11.22%11.31%11.30%+6 bps
Liquidity & Funding
Loans / Shares74.22%75.06%77.42%80.96%79.66%80.48%83.63%82.60%+164 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps