Ojai, CA · Cert 21017
FDIC
Q3 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2003, the quarter ended September 30, 2003, 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.
Ojai, CA · Cert 21017
FDIC
Q3 2003
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 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.40% | 1.27% | 1.41% | 1.51% | 1.34% | 1.20% | 1.14% | 1.07% | -44 bps | |
| Return on Equity | n/a | 14.38% | 15.83% | 16.77% | 14.76% | 13.18% | 12.66% | 11.86% | -491 bps | |
| Net Interest Margin | 4.88% | 4.94% | 4.92% | 5.01% | 4.95% | 4.84% | 4.56% | 4.37% | -64 bps | |
| Efficiency Ratio | 61.30% | 62.63% | 60.85% | 59.71% | 63.37% | 65.35% | 67.13% | 68.42% | +871 bps | |
| Non-Interest Burden | 2.72% | 2.86% | 2.73% | 2.69% | 2.87% | 2.96% | 2.87% | 2.82% | +13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.71% | 9.86% | 6.15% | 6.10% | 3.94% | 3.69% | 9.15% | 5.28% | -82 bps | |
| Loan Growth (YoY) | 6.25% | 2.62% | 13.98% | 7.63% | 7.84% | 11.29% | -4.37% | -6.44% | -1,408 bps | |
| Deposit Growth (YoY) | 6.57% | 10.41% | 6.11% | 5.94% | 3.66% | 3.36% | 9.50% | 5.51% | -44 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 | 0.21% | -0.12% | -0.03% | -0.08% | -0.05% | -0.08% | -0.11% | -0.02% | +6 bps | |
| Allowance / Loans | 2.00% | 2.07% | 1.83% | 1.90% | 1.90% | 1.90% | 2.00% | 2.03% | +13 bps | |
| 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 | 17.85% | 18.36% | 17.17% | 17.76% | 17.21% | 17.32% | 17.10% | 17.79% | +3 bps | |
| Equity / Assets | 8.89% | 8.81% | 9.11% | 9.28% | 9.15% | 9.09% | 8.84% | 9.12% | -16 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 44.31% | 41.44% | 48.13% | 46.03% | 46.10% | 44.61% | 42.04% | 40.82% | -521 bps | |
| Liquid Assets / Assets | 36.11% | 36.54% | 40.62% | 36.31% | 35.88% | 33.45% | 36.01% | 32.67% | -364 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |