Redwood City, CA · Cert 22984
FDIC
Q4 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.95% | 1.67% | 1.96% | 0.96% | 0.53% | 0.98% | 1.15% | 1.64% | +69 bps | |
| Return on Equity | 16.98% | 31.90% | 34.68% | 15.81% | 8.48% | 15.38% | 18.12% | 24.13% | +832 bps | |
| Net Interest Margin | 4.29% | 4.39% | 4.30% | 4.04% | 3.50% | 3.85% | 3.62% | 3.75% | -28 bps | |
| Efficiency Ratio | 41.44% | 38.75% | 32.25% | 40.39% | 37.55% | 49.19% | 52.38% | 45.60% | +520 bps | |
| Non-Interest Burden | 1.43% | 1.39% | 0.81% | 1.30% | 0.80% | 1.68% | 1.69% | 1.47% | +16 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 59.03% | 38.57% | 8.62% | 9.78% | 1.51% | -3.61% | -1.29% | -15.71% | -2,549 bps | |
| Loan Growth (YoY) | 2.26% | 6.82% | 11.05% | 12.40% | 12.31% | -0.18% | -12.92% | -28.78% | -4,118 bps | |
| Deposit Growth (YoY) | 16.39% | 6.84% | 6.34% | 8.22% | 0.99% | -1.65% | -14.35% | -18.21% | -2,644 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 | 0.12% | 1.50% | 0.84% | -0.01% | 1.89% | 1.30% | 1.74% | 1.37% | +138 bps | |
| Allowance / Loans | 3.26% | 2.75% | 2.67% | 3.30% | 3.93% | 4.19% | 4.18% | 4.65% | +135 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 | 11.23% | 11.07% | 11.51% | 12.26% | 12.72% | 12.92% | 13.66% | 16.61% | +434 bps | |
| Equity / Assets | 5.23% | 5.26% | 6.07% | 6.08% | 6.39% | 6.32% | 6.38% | 7.33% | +125 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 70.42% | 73.23% | 74.14% | 78.63% | 78.32% | 74.32% | 75.38% | 68.47% | -1,016 bps | |
| Liquid Assets / Assets | 0.03% | 0.04% | 0.03% | 0.06% | 0.07% | 0.00% | 0.05% | 0.03% | -3 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |