Palo Alto, CA · Charter 8956
Q3 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2002, the quarter ended September 30, 2002, 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.
Palo Alto, CA · Charter 8956
Q3 2002
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 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.44% | 0.53% | 0.14% | 0.17% | 0.20% | -23 bps | |
| Return on Equity | 5.15% | 6.01% | 1.64% | 2.04% | 2.49% | -266 bps | |
| Net Interest Margin | 3.72% | 3.82% | 3.74% | 3.70% | 3.65% | -7 bps | |
| Efficiency Ratio | 85.10% | 82.73% | 88.14% | 86.04% | 84.48% | -62 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.15% | 6.23% | 4.04% | 7.93% | 7.82% | +67 bps | |
| Loan Growth (YoY) | -2.24% | -5.72% | -2.58% | 5.11% | 16.51% | +1,876 bps | |
| Share Growth (YoY) | 6.69% | 6.09% | 4.22% | 5.06% | 0.88% | -581 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.43% | 0.52% | 0.46% | 0.52% | 1.03% | +60 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.27% | 0.28% | 0.30% | 0.37% | 0.45% | +18 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.50% | 8.75% | 8.65% | 8.38% | 8.21% | -28 bps | |
| Net Worth / Assets | 8.50% | 8.75% | 8.65% | 8.38% | 8.21% | -28 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 73.70% | 72.22% | 73.37% | 79.23% | 85.12% | +1,142 bps | |
| Liquid Assets / Assets | 14.83% | 14.82% | 13.67% | 8.82% | 9.45% | -538 bps | |