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Patelco

San Francisco, CA · Charter 97082

Q4 2007

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 2007, the quarter ended December 31, 2007, 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

Patelco

San Francisco, CA · Charter 97082

Q4 2007

$4.1BAssets
$2.8BLoans
$3.6BShares
$407.8MNet Worth

Executive Summary

  • Earnings: ROA of 0.20%, up 40 bps year over year; NIM at 1.95%.
  • Asset quality: problem loans at 1.20% of loans (+52 bps YoY).
  • Capital: net worth / assets of 9.85%, down 1 bps from a year ago.
  • Funding: loans stand at 78.27% of shares as of Q4 2007.

Return on Assets (YTD, annualized)

0.20%+40 bps YoY

Net Interest Margin (YTD, annualized)

1.95%-47 bps YoY

Efficiency Ratio (YTD, annualized)

60.62%-2,446 bps YoY

Net Worth / Assets

9.85%-1 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2006Q2 2006Q3 2006Q4 2006Q1 2007Q2 2007Q3 2007Q4 2007YoY ΔTrend
Earnings
Return on Assets1.07%1.12%0.93%-0.20%0.43%0.50%0.36%0.20%+40 bps
Return on Equity9.92%10.07%8.40%-2.07%4.53%5.17%3.58%1.98%+405 bps
Net Interest Margin2.35%2.44%2.48%2.43%1.80%1.84%1.95%1.95%-47 bps
Efficiency Ratio51.76%49.79%50.27%85.09%60.68%59.90%59.68%60.62%-2,446 bps
Growth
Asset Growth (YoY)6.33%7.31%7.52%9.79%9.11%11.12%4.71%2.14%-765 bps
Loan Growth (YoY)12.71%14.12%12.16%6.71%3.91%-0.05%0.88%4.11%-261 bps
Share Growth (YoY)4.45%5.62%7.56%12.61%11.75%15.64%8.09%2.69%-992 bps
Asset Quality
Delinquent Loans / Loans0.69%0.80%0.95%0.68%0.68%0.85%0.93%1.20%+52 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.91%0.97%1.07%0.73%0.75%0.74%0.82%0.96%+23 bps
Capital
Risk-Based Capital10.81%11.16%11.10%9.87%9.58%9.59%10.00%9.85%-1 bps
Net Worth / Assets10.81%11.16%11.10%9.87%9.58%9.59%10.00%9.85%-1 bps
Liquidity & Funding
Loans / Shares78.81%84.88%85.06%77.20%73.28%73.37%79.38%78.27%+107 bps
Liquid Assets / Assets10.02%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps