San Francisco, CA · Cert 22912
FDIC
Q4 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2002, the quarter ended December 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 22912
FDIC
Q4 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 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.59% | 2.02% | 1.84% | 2.03% | 0.86% | 0.83% | 0.90% | 0.89% | -114 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 6.59% | 6.40% | 6.92% | 6.87% | n/a | |
| Net Interest Margin | 4.94% | 4.71% | 4.79% | 4.30% | 4.41% | 4.54% | 4.42% | 4.36% | +6 bps | |
| Efficiency Ratio | 56.32% | 57.34% | 56.36% | 56.65% | 52.70% | 57.85% | 56.11% | 54.69% | -196 bps | |
| Non-Interest Burden | 2.48% | 2.36% | 2.27% | 2.04% | 2.01% | 2.36% | 2.19% | 2.08% | +5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1126% | 1191% | 1318% | 1306% | 12.00% | 16.03% | 14.57% | 3.46% | -130,236 bps | |
| Loan Growth (YoY) | 1950% | 1957% | 1868% | 1937% | 13.42% | 10.91% | 13.40% | -0.84% | -193,736 bps | |
| Deposit Growth (YoY) | 1211% | 1328% | 1510% | 1760% | 10.66% | 13.78% | 12.90% | 3.12% | -175,684 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 | 0.27% | 0.41% | 0.30% | 0.25% | 2.11% | 1.38% | 1.08% | 1.41% | +116 bps | |
| Allowance / Loans | 1.82% | 1.68% | 1.78% | 1.84% | 1.67% | 1.73% | 1.87% | 1.66% | -18 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 | 10.60% | 10.70% | 11.09% | 11.27% | 11.06% | 10.88% | 10.43% | 10.18% | -109 bps | |
| Equity / Assets | 12.12% | 12.08% | 12.46% | 13.10% | 12.94% | 12.96% | 12.73% | 12.77% | -33 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.10% | 92.23% | 88.80% | 90.64% | 92.35% | 89.91% | 89.19% | 87.16% | -348 bps | |
| Liquid Assets / Assets | 0.21% | 0.26% | 0.32% | 0.26% | 0.19% | 0.11% | 0.13% | 0.07% | -19 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |