Coos Bay, OR · Charter 8690
Q4 2012
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Coos Bay, OR · Charter 8690
Q4 2012
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 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.80% | -0.71% | -0.61% | -0.63% | -0.74% | +5 bps | |
| Return on Equity | -9.92% | -9.21% | -7.79% | -8.14% | -9.72% | +21 bps | |
| Net Interest Margin | 1.63% | 1.64% | 1.76% | 1.78% | 1.84% | +22 bps | |
| Efficiency Ratio | 141.64% | 136.19% | 126.48% | 127.25% | 132.51% | -912 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.81% | 1.79% | -4.72% | -6.75% | -4.41% | -260 bps | |
| Loan Growth (YoY) | 1.45% | 17.04% | 23.68% | 29.39% | 28.48% | +2,703 bps | |
| Share Growth (YoY) | -0.76% | 3.07% | -4.21% | -6.67% | -3.89% | -313 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.07% | 0.25% | 0.00% | 0.00% | 0.42% | +35 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.33% | 0.37% | 0.22% | 0.49% | 0.36% | +4 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.02% | 7.66% | 7.78% | 7.74% | 7.65% | -37 bps | |
| Net Worth / Assets | 8.02% | 7.66% | 7.78% | 7.74% | 7.65% | -37 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 15.89% | 17.48% | 18.77% | 19.93% | 21.24% | +535 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |