Mariposa, CA · Cert 22486
FDIC
Q4 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2004, the quarter ended December 31, 2004, 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.
Mariposa, CA · Cert 22486
FDIC
Q4 2004
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 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.65% | 1.64% | 1.39% | 1.39% | 1.64% | 1.76% | 1.82% | 1.86% | +47 bps | |
| Return on Equity | 16.97% | 16.78% | 14.33% | 14.18% | 17.10% | 19.16% | 19.90% | 20.33% | +614 bps | |
| Net Interest Margin | 3.43% | 3.46% | 3.23% | 3.23% | 3.49% | 3.45% | 3.41% | 3.56% | +33 bps | |
| Efficiency Ratio | 62.82% | 61.43% | 65.64% | 65.98% | 60.31% | 61.12% | 59.90% | 61.14% | -484 bps | |
| Non-Interest Burden | 1.12% | 1.07% | 1.37% | 1.39% | 1.11% | 1.08% | 0.92% | 1.13% | -26 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.04% | 12.01% | 12.04% | 6.53% | 8.36% | 6.62% | 9.70% | 9.39% | +286 bps | |
| Loan Growth (YoY) | -0.51% | -7.29% | -12.88% | -15.54% | 2.90% | 14.49% | 24.84% | 34.59% | +5,013 bps | |
| Deposit Growth (YoY) | 8.96% | 8.66% | 10.94% | 6.87% | 8.89% | 9.96% | 8.87% | 10.60% | +373 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 | 0.04% | 0.02% | 0.24% | 0.04% | 0.05% | 0.04% | 0.09% | 0.09% | +5 bps | |
| Allowance / Loans | 1.25% | 1.34% | 1.24% | 1.45% | 1.31% | 1.25% | 1.20% | 1.15% | -29 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 | 17.72% | 18.71% | 18.07% | 18.50% | 17.99% | 17.37% | 17.70% | 18.71% | +20 bps | |
| Equity / Assets | 9.81% | 9.88% | 9.60% | 9.98% | 9.18% | 8.49% | 8.91% | 9.27% | -71 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 35.21% | 32.61% | 29.58% | 29.14% | 33.27% | 33.95% | 33.92% | 35.46% | +632 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 |