PackageTrendsPeer
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First Western Bank

Simi Valley, CA · Cert 23357

FDIC

Q1 2002

$226.4MAssets
$117.3MLoans
$207.3MDeposits
$17.7MEquity
Loan mix
25%RE $11.5M70%C&I $32.2M5%Consumer $2.2MQ2 2000Q1 2002
Deposit mix
51%Interest-bearing $105.6M49%Noninterest $101.6MQ2 2000Q1 2002

Executive Summary

  • Earnings: ROA of 0.66%, down 58 bps year over year; NIM at 4.42%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.10%.
  • Funding: loans stand at 56.58% of deposits as of Q1 2002.

Return on Assets (YTD, annualized)

0.66%-58 bps YoY

Net Interest Margin (YTD, annualized)

4.42%-144 bps YoY

Efficiency Ratio (YTD, annualized)

84.47%+1,077 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

7.31%Q1 ’014.99%Q1 ’02-25%

Non-interest income vs. expense

5.50%Q1 ’015.65%Q1 ’02-13%

Year to date, annualized, through each quarter.

MetricQ2 2000Q3 2000Q4 2000Q1 2001Q2 2001Q3 2001Q4 2001Q1 2002YoY ΔTrend
Earnings
Return on Assets1.11%1.25%1.31%1.24%1.25%1.23%1.16%0.66%-58 bps
Return on Equityn/an/an/an/an/an/an/a8.29%n/an/a
Net Interest Marginn/an/an/a5.87%5.82%5.67%5.44%4.42%-144 bps
Efficiency Ration/an/an/a73.70%73.42%73.37%75.03%84.47%+1,077 bps
Non-Interest Burdenn/an/an/a3.91%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 / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/a-0.75%-0.29%0.06%0.08%0.10%+85 bps
Allowance / Loansn/an/an/a1.32%1.20%1.08%1.16%1.13%-20 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/a10.69%11.34%12.24%12.58%12.20%+151 bps
Equity / Assetsn/an/an/a8.30%8.46%8.51%8.09%7.83%-47 bps
Liquidity & Funding
Loans / Deposits59.17%57.35%61.95%62.87%66.17%59.91%59.64%56.58%-630 bps
Liquid Assets / Assets0.00%0.00%0.00%11.05%3.73%4.56%0.96%0.02%-1,103 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a