San Francisco, CA · Cert 20589
FDIC
Q1 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2002, the quarter ended March 31, 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.
San Francisco, CA · Cert 20589
FDIC
Q1 2002
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.41% | 1.43% | 1.37% | 1.55% | 1.55% | 1.51% | 1.23% | 0.18% | -137 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 1.14% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | 4.57% | 4.45% | 4.44% | 4.51% | 0.68% | -389 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 58.86% | 55.23% | 60.73% | 62.65% | 59.41% | +54 bps | |
| Non-Interest Burden | n/a | n/a | n/a | 2.24% | 1.68% | 2.19% | 2.38% | 0.35% | -189 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.33% | 1.91% | 1.20% | -1.96% | -4.35% | 18.39% | 12.72% | 27.35% | +2,931 bps | |
| Loan Growth (YoY) | 11.47% | 9.98% | 4.60% | 7.43% | 3.38% | 25.51% | 22.79% | 17.79% | +1,036 bps | |
| Deposit Growth (YoY) | 5.05% | 7.32% | 7.93% | -7.40% | -8.39% | 10.17% | 10.77% | 21.74% | +2,914 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | -0.08% | 0.13% | 0.08% | 0.38% | 1.18% | +125 bps | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | n/a | n/a | n/a | 12.04% | 12.45% | 11.81% | 12.19% | 12.09% | +5 bps | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 99.65% | 100.07% | 98.02% | 112.48% | 112.46% | 114.00% | 108.66% | 108.84% | -365 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |