PackageTrendsPeer
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First Community Bank of the Desert

Indian Wells, CA · Cert 23232

FDIC

Q4 2001

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: Q4 2001, the quarter ended December 31, 2001, 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

First Community Bank of the Desert

Indian Wells, CA · Cert 23232

FDIC

Q4 2001

$147.1MAssets
$117.2MLoans
$133.8MDeposits
$11.9MEquity
Loan mix
11%RE $5.2M88%C&I $39.6M1%Consumer $0.2MQ4 2000Q4 2001
Deposit mix
60%Interest-bearing $80.5M40%Noninterest $53.4MQ4 2000Q4 2001

NIM

7.78%Q1 ’017.18%Q3 ’016.68%Q4 ’01-9%-6%

Non-interest income vs. expense

4.25%Q1 ’014.01%Q3 ’013.65%Q4 ’01-5%-11%

Executive Summary

  • Earnings: ROA of 1.42%, up 31 bps year over year; NIM at 5.27%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.15%.
  • Funding: loans stand at 87.58% of deposits as of Q4 2001.

Financial Results

Return on Assets (YTD, annualized)

1.42%+31 bps YoY

Net Interest Margin (YTD, annualized)

5.27%

Efficiency Ratio (YTD, annualized)

59.68%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2000Q1 2001Q2 2001Q3 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets1.11%1.48%1.39%1.34%1.42%+31 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/a6.12%5.59%5.59%5.27%n/a
Efficiency Ration/a59.97%59.95%62.01%59.68%n/a
Non-Interest Burdenn/a3.28%3.00%3.13%2.80%n/a
Growth
Asset Growth (YoY)9.31%11.58%-0.45%3.52%10.86%+156 bps
Loan Growth (YoY)24.30%15.31%18.53%15.57%29.09%+479 bps
Deposit Growth (YoY)8.43%10.86%-1.69%2.50%10.37%+194 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/a0.09%0.08%0.05%0.15%n/a
Allowance / Loansn/a1.69%1.68%1.59%1.30%n/a
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 Capitaln/a10.94%10.67%10.42%10.23%n/a
Equity / Assetsn/a7.53%7.78%8.08%8.08%n/a
Liquidity & Funding
Loans / Deposits74.88%70.70%78.01%82.07%87.58%+1,270 bps
Liquid Assets / Assets0.00%1.74%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a