Camp Pendleton, CA · Charter 8173
Q3 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2001, the quarter ended September 30, 2001, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Camp Pendleton, CA · Charter 8173
Q3 2001
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 1999 | Q1 2000 | Q2 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.53% | 1.84% | 1.88% | 2.14% | 2.17% | 1.83% | 1.52% | 1.47% | -67 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 13.60% | 11.66% | 9.76% | 9.69% | n/a | |
| Net Interest Margin | 3.60% | 3.83% | 3.97% | 3.98% | 4.06% | 3.83% | 3.60% | 3.36% | -62 bps | |
| Efficiency Ratio | 59.54% | 62.39% | 59.51% | 56.00% | 55.58% | 61.93% | 62.87% | 64.18% | +818 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.56% | 9.45% | 9.68% | 0.35% | 2.95% | 6.08% | 9.35% | 13.67% | +1,332 bps | |
| Loan Growth (YoY) | 9.28% | 12.39% | 15.63% | 14.18% | 10.60% | 8.51% | 10.00% | 8.44% | -575 bps | |
| Share Growth (YoY) | 3.09% | 9.08% | 9.21% | -1.47% | 1.02% | 4.48% | 8.62% | 13.45% | +1,492 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.40% | 0.35% | 0.49% | 0.50% | 0.40% | 0.42% | 0.51% | 0.40% | -10 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.06% | 1.97% | 2.06% | 2.01% | 2.01% | 1.94% | 1.95% | 1.80% | -21 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 15.98% | 15.65% | 15.56% | 15.13% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 15.98% | 15.65% | 15.56% | 15.13% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 62.18% | 62.27% | 64.66% | 65.46% | 68.08% | 64.68% | 65.49% | 62.56% | -289 bps | |
| Liquid Assets / Assets | 33.14% | 33.64% | 30.06% | 34.36% | 38.96% | 38.89% | 38.92% | 35.36% | +100 bps | |