San Andreas, CA · Cert 23579
FDIC
Q2 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2003, the quarter ended June 30, 2003, 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.
San Andreas, CA · Cert 23579
FDIC
Q2 2003
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 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.69% | 0.69% | 0.45% | 0.57% | 0.67% | 0.70% | 0.71% | -0.10% | -67 bps | |
| Return on Equity | n/a | n/a | 6.06% | 7.60% | 8.82% | 9.19% | 9.08% | -1.33% | -893 bps | |
| Net Interest Margin | 3.83% | 3.76% | 3.41% | 3.62% | 3.75% | 3.75% | 3.85% | 3.65% | +4 bps | |
| Efficiency Ratio | 73.05% | 72.94% | 80.93% | 77.11% | 74.24% | 73.80% | 74.09% | 94.05% | +1,694 bps | |
| Non-Interest Burden | 2.61% | 2.54% | 2.61% | 2.61% | 2.58% | 2.56% | 2.62% | 3.39% | +77 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.05% | 12.86% | 2.88% | -4.43% | -4.74% | -1.67% | 3.16% | 10.94% | +1,538 bps | |
| Loan Growth (YoY) | 11.50% | 3.99% | -3.06% | 2.01% | 3.26% | 8.75% | 12.75% | 0.34% | -167 bps | |
| Deposit Growth (YoY) | 17.25% | 14.83% | 3.43% | -5.00% | -5.06% | -1.82% | 3.23% | 12.08% | +1,708 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 | 0.00% | 0.02% | 0.00% | 0.00% | -0.02% | -0.01% | 0.00% | 0.01% | +1 bps | |
| Allowance / Loans | 1.38% | 1.45% | 1.51% | 1.43% | 1.40% | 1.40% | 1.40% | 1.83% | +40 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 | 12.36% | 12.89% | 12.94% | 12.65% | 12.61% | 12.94% | 13.02% | 12.87% | +22 bps | |
| Equity / Assets | 7.09% | 7.31% | 7.40% | 7.76% | 7.74% | 7.85% | 7.75% | 7.27% | -49 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 67.43% | 65.95% | 64.44% | 72.17% | 73.34% | 73.05% | 70.38% | 64.61% | -756 bps | |
| Liquid Assets / Assets | 24.81% | 22.53% | 31.41% | 26.84% | 19.96% | 15.93% | 15.22% | 22.48% | -436 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |