Angwin, CA · Charter 8393
Q2 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2001, the quarter ended June 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.
Angwin, CA · Charter 8393
Q2 2001
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.98% | 0.81% | 0.86% | 1.02% | 1.26% | -172 bps | |
| Return on Equity | n/a | n/a | n/a | 10.50% | 12.64% | n/a | |
| Net Interest Margin | n/a | 4.35% | 4.19% | 4.21% | 4.36% | n/a | |
| Efficiency Ratio | n/a | 80.91% | 79.83% | 76.71% | 72.47% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 20.15% | 16.83% | 15.83% | 17.45% | 17.83% | -232 bps | |
| Loan Growth (YoY) | -2.81% | 4.84% | 9.46% | 21.11% | 17.67% | +2,048 bps | |
| Share Growth (YoY) | 20.22% | 15.97% | 15.10% | 17.21% | 16.58% | -365 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.78% | 0.37% | 0.20% | 0.08% | 0.14% | -64 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.62% | 0.63% | 0.65% | 0.62% | 0.72% | +10 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | 9.67% | 9.96% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | 9.67% | 9.96% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 71.24% | 76.33% | 75.34% | 76.81% | 71.91% | +67 bps | |
| Liquid Assets / Assets | 28.69% | 18.46% | 22.51% | 27.09% | 28.65% | -4 bps | |