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Comerica Bank-California

San Jose, CA · Cert 22894

FDIC

Q1 2003

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: Q1 2003, the quarter ended March 31, 2003, 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: FFIEC Call Report (031/041/051), 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

Comerica Bank-California

San Jose, CA · Cert 22894

FDIC

Q1 2003

$20.9BAssets
$8.9BLoans
$19.2BDeposits
$1.3BEquity
Loan mix
6%RE $0.3B94%C&I $5.8B0%Consumer $0.0BQ1 2002Q1 2003
Deposit mix
41%Interest-bearing $7.9B59%Noninterest $11.4BQ1 2002Q1 2003

NIM

7.64%Q1 ’015.01%Q1 ’023.65%Q1 ’03-16%-28%

Non-interest income vs. expense

3.11%Q1 ’012.83%Q1 ’022.46%Q1 ’03-9%-14%

Executive Summary

  • Earnings: ROA of -0.07%, down 70 bps year over year; NIM at 3.01%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 1.46%.
  • Funding: loans stand at 46.09% of deposits as of Q1 2003.

Financial Results

Return on Assets (YTD, annualized)

-0.07%-70 bps YoY

Net Interest Margin (YTD, annualized)

3.01%-117 bps YoY

Efficiency Ratio (YTD, annualized)

63.25%+866 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2002Q2 2002Q3 2002Q4 2002Q1 2003YoY ΔTrend
Earnings
Return on Assets0.63%0.37%0.34%0.50%-0.07%-70 bps
Return on Equity7.32%4.39%4.23%6.55%-1.10%-842 bps
Net Interest Margin4.18%4.14%3.68%3.24%3.01%-117 bps
Efficiency Ratio54.58%51.96%50.34%51.82%63.25%+866 bps
Non-Interest Burden1.83%1.55%1.29%1.22%1.58%-25 bps
Growth
Asset Growth (YoY)152.06%160.90%29.37%31.91%40.71%-11,135 bps
Loan Growth (YoY)77.27%73.74%0.06%0.37%5.81%-7,146 bps
Deposit Growth (YoY)176.78%181.63%34.94%36.43%45.10%-13,169 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.85%1.57%1.87%1.68%1.46%+61 bps
Allowance / Loans2.15%2.55%2.80%2.76%3.06%+91 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital11.67%11.61%11.37%11.16%10.92%-75 bps
Equity / Assets8.32%8.05%6.92%6.60%6.21%-212 bps
Liquidity & Funding
Loans / Deposits63.21%60.28%51.01%48.17%46.09%-1,711 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a