PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Yosemite Bank

Mariposa, CA · Cert 22486

FDIC

Q4 2004

$160.8MAssets
$50.3MLoans
$141.9MDeposits
$14.9MEquity
Loan mix
80%RE $16.9M19%C&I $4.0M1%Consumer $0.2MQ1 2003Q4 2004
Deposit mix
67%Interest-bearing $94.6M33%Noninterest $47.3MQ1 2003Q4 2004

Executive Summary

  • Earnings: ROA of 1.86%, up 47 bps year over year; NIM at 3.56%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.09%.
  • Funding: loans stand at 35.46% of deposits as of Q4 2004.

Return on Assets (YTD, annualized)

1.86%+47 bps YoY

Net Interest Margin (YTD, annualized)

3.56%+33 bps YoY

Efficiency Ratio (YTD, annualized)

61.14%-484 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

5.13%Q4 ’024.15%Q4 ’034.27%Q4 ’04-16%+10%

Non-interest income vs. expense

3.81%Q4 ’023.57%Q4 ’033.83%Q4 ’04-36%-19%

Year to date, annualized, through each quarter.

MetricQ1 2003Q2 2003Q3 2003Q4 2003Q1 2004Q2 2004Q3 2004Q4 2004YoY ΔTrend
Earnings
Return on Assets1.65%1.64%1.39%1.39%1.64%1.76%1.82%1.86%+47 bps
Return on Equity16.97%16.78%14.33%14.18%17.10%19.16%19.90%20.33%+614 bps
Net Interest Margin3.43%3.46%3.23%3.23%3.49%3.45%3.41%3.56%+33 bps
Efficiency Ratio62.82%61.43%65.64%65.98%60.31%61.12%59.90%61.14%-484 bps
Non-Interest Burden1.12%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 / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.04%0.02%0.24%0.04%0.05%0.04%0.09%0.09%+5 bps
Allowance / Loans1.25%1.34%1.24%1.45%1.31%1.25%1.20%1.15%-29 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital17.72%18.71%18.07%18.50%17.99%17.37%17.70%18.71%+20 bps
Equity / Assets9.81%9.88%9.60%9.98%9.18%8.49%8.91%9.27%-71 bps
Liquidity & Funding
Loans / Deposits35.21%32.61%29.58%29.14%33.27%33.95%33.92%35.46%+632 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a