Fountain Valley, CA · Cert 23130
FDIC
Q2 2004
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 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.02% | 1.11% | 1.42% | 1.35% | 1.42% | 1.52% | 1.52% | 0.15% | -120 bps | |
| Return on Equity | 7.98% | 8.51% | 10.08% | 9.67% | 10.17% | 10.90% | 10.52% | 1.02% | -865 bps | |
| Net Interest Margin | 4.33% | 4.49% | 4.93% | 4.71% | 4.66% | 4.81% | 5.00% | 4.95% | +24 bps | |
| Efficiency Ratio | 88.84% | 81.83% | 63.54% | 62.79% | 60.66% | 62.71% | 56.71% | 69.10% | +631 bps | |
| Non-Interest Burden | 3.88% | 3.64% | 2.98% | 2.81% | 2.63% | 2.84% | 2.56% | 3.24% | +42 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 45.92% | 36.37% | 38.14% | 37.99% | 5.99% | 9.96% | 4.67% | 2.94% | -3,505 bps | |
| Loan Growth (YoY) | 17.03% | 24.91% | 23.07% | 24.80% | 16.33% | 14.71% | 14.62% | 12.51% | -1,229 bps | |
| Deposit Growth (YoY) | 48.03% | 33.23% | 35.26% | 34.83% | 5.68% | 1.41% | 3.56% | 1.97% | -3,286 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 | -0.51% | -0.43% | -1.49% | -0.76% | -0.56% | -0.43% | 0.03% | 0.00% | +75 bps | |
| Allowance / Loans | 1.81% | 1.78% | 2.03% | 1.99% | 1.81% | 1.76% | 1.64% | 1.63% | -36 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 | 11.88% | 12.05% | 12.27% | 12.41% | 12.29% | 12.50% | 12.93% | 12.63% | +22 bps | |
| Equity / Assets | 13.44% | 14.20% | 13.90% | 13.84% | 13.81% | 14.14% | 14.73% | 14.27% | +42 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 68.79% | 76.00% | 72.73% | 73.01% | 75.72% | 85.97% | 80.49% | 80.55% | +755 bps | |
| Liquid Assets / Assets | 0.05% | 0.02% | 0.02% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |