Millbrae, CA · Cert 23543
FDIC
Q4 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.02% | 1.87% | 2.19% | 1.81% | 1.31% | 1.62% | 1.57% | 1.99% | +18 bps | |
| Return on Equity | 19.01% | 38.05% | 38.92% | 28.53% | 18.38% | 20.59% | 18.02% | 20.51% | -802 bps | |
| Net Interest Margin | 4.57% | 4.42% | 4.06% | 3.90% | 3.46% | 3.66% | 3.78% | 4.37% | +47 bps | |
| Efficiency Ratio | 29.82% | 27.97% | 25.33% | 30.10% | 40.33% | 38.09% | 42.91% | 34.40% | +430 bps | |
| Non-Interest Burden | 1.30% | 1.14% | 0.91% | 1.07% | 1.25% | 1.24% | 1.48% | 1.36% | +30 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 55.93% | 41.30% | 28.74% | 24.46% | -2.08% | -18.63% | -26.67% | -26.56% | -5,101 bps | |
| Loan Growth (YoY) | -2.89% | -5.60% | -6.49% | -0.79% | -1.61% | -7.41% | -12.36% | -8.90% | -811 bps | |
| Deposit Growth (YoY) | -8.61% | 29.52% | 55.89% | 35.52% | 49.71% | -22.00% | -25.33% | -20.60% | -5,613 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 | 3.20% | 0.09% | 1.08% | -0.92% | 0.15% | 0.81% | 1.06% | 0.70% | +161 bps | |
| Allowance / Loans | 2.86% | 3.03% | 2.87% | 3.07% | 2.97% | 2.99% | 2.96% | 2.68% | -39 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 | 11.10% | 12.68% | 13.65% | 14.92% | 15.30% | 16.66% | 18.59% | 18.83% | +391 bps | |
| Equity / Assets | 4.52% | 5.27% | 5.98% | 6.72% | 7.54% | 8.18% | 9.33% | 10.06% | +334 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.74% | 61.82% | 60.71% | 65.97% | 60.29% | 73.38% | 71.25% | 75.69% | +973 bps | |
| Liquid Assets / Assets | 0.11% | 0.01% | 0.01% | 0.02% | 0.05% | 0.52% | 0.09% | 0.06% | +4 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |