Agoura Hills, CA · Cert 23422
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.
Agoura Hills, CA · Cert 23422
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 | 2.20% | 0.77% | 0.51% | 0.51% | 0.49% | 0.06% | 0.03% | -0.10% | -61 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 | 5.56% | 5.21% | 5.00% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 96.97% | 97.20% | 101.47% | n/a | |
| Non-Interest Burden | n/a | n/a | n/a | n/a | n/a | 5.37% | 5.05% | 5.08% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.78% | 8.81% | 4.54% | 5.11% | 4.17% | 1.50% | 5.55% | 1.73% | -338 bps | |
| Loan Growth (YoY) | 15.60% | 13.98% | 18.94% | 16.10% | 17.89% | 19.54% | 27.90% | 21.86% | +576 bps | |
| Deposit Growth (YoY) | 0.82% | 10.09% | 4.98% | 5.79% | 4.57% | 1.32% | 7.07% | 2.75% | -304 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 | -0.12% | -0.06% | -0.04% | n/a | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | 1.73% | 1.59% | 1.66% | 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 | 18.49% | 17.54% | 18.44% | n/a | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | 12.63% | 12.06% | 13.35% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 67.99% | 63.62% | 64.61% | 70.61% | 76.65% | 75.05% | 77.18% | 83.75% | +1,314 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 1.53% | 1.54% | 1.62% | +162 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |