Simi Valley, CA · Cert 23357
FDIC
Q1 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2002, the quarter ended March 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.
Simi Valley, CA · Cert 23357
FDIC
Q1 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 | Q2 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.11% | 1.25% | 1.31% | 1.24% | 1.25% | 1.23% | 1.16% | 0.66% | -58 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 8.29% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | 5.87% | 5.82% | 5.67% | 5.44% | 4.42% | -144 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 73.70% | 73.42% | 73.37% | 75.03% | 84.47% | +1,077 bps | |
| Non-Interest Burden | n/a | n/a | n/a | 3.91% | 3.81% | 3.66% | 3.59% | 3.39% | -52 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.78% | 17.09% | 15.93% | 6.33% | 8.75% | 7.89% | 11.01% | 15.08% | +875 bps | |
| Loan Growth (YoY) | 25.73% | 16.58% | 15.78% | 22.31% | 20.68% | 12.14% | 10.85% | 4.59% | -1,772 bps | |
| Deposit Growth (YoY) | 11.18% | 16.64% | 11.78% | 4.96% | 7.92% | 7.34% | 15.14% | 16.22% | +1,127 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 | -0.75% | -0.29% | 0.06% | 0.08% | 0.10% | +85 bps | |
| Allowance / Loans | n/a | n/a | n/a | 1.32% | 1.20% | 1.08% | 1.16% | 1.13% | -20 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 | n/a | n/a | n/a | 10.69% | 11.34% | 12.24% | 12.58% | 12.20% | +151 bps | |
| Equity / Assets | n/a | n/a | n/a | 8.30% | 8.46% | 8.51% | 8.09% | 7.83% | -47 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 59.17% | 57.35% | 61.95% | 62.87% | 66.17% | 59.91% | 59.64% | 56.58% | -630 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 11.05% | 3.73% | 4.56% | 0.96% | 0.02% | -1,103 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |