Orange, CA · Cert 23063
FDIC
Q3 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2001, the quarter ended September 30, 2001, 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.
Orange, CA · Cert 23063
FDIC
Q3 2001
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 | Q4 1999 | Q1 2000 | Q2 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.68% | -0.18% | 0.48% | 0.90% | 0.53% | 0.39% | 0.97% | 1.06% | +16 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | 5.53% | 5.31% | 5.12% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 90.75% | 85.31% | 84.23% | n/a | |
| Non-Interest Burden | n/a | n/a | n/a | n/a | n/a | 4.58% | 3.81% | 3.41% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.11% | 4.68% | -5.28% | -19.78% | -18.86% | -21.11% | -13.44% | -3.81% | +1,597 bps | |
| Loan Growth (YoY) | 11.43% | 5.52% | -22.76% | -21.08% | -30.19% | -16.28% | -6.55% | -13.29% | +779 bps | |
| Deposit Growth (YoY) | 12.42% | 4.79% | -2.03% | -22.55% | -21.26% | -24.13% | -15.83% | -4.39% | +1,816 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 | n/a | n/a | n/a | n/a | n/a | 0.22% | 0.12% | 0.09% | n/a | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | 1.16% | 1.11% | 1.19% | n/a | |
| 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 | n/a | n/a | n/a | n/a | n/a | 10.40% | 11.03% | 14.57% | n/a | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | 10.31% | 10.69% | 10.83% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.33% | 69.49% | 71.87% | 80.54% | 72.99% | 76.67% | 79.79% | 73.04% | -749 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 5.62% | 4.92% | 5.73% | +573 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |