San Diego, CA · Cert 23634
FDIC
Q2 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2002, the quarter ended June 30, 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.
San Diego, CA · Cert 23634
FDIC
Q2 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 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.77% | -0.64% | -0.70% | 0.18% | 0.32% | +109 bps | |
| Return on Equity | n/a | n/a | n/a | 2.38% | 4.05% | n/a | |
| Net Interest Margin | 4.12% | 4.06% | 3.96% | 3.58% | 3.87% | -25 bps | |
| Efficiency Ratio | 85.46% | 87.33% | 93.24% | 82.93% | 78.26% | -720 bps | |
| Non-Interest Burden | 3.33% | 3.38% | 3.60% | 2.74% | 2.67% | -65 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.82% | -2.08% | 2.54% | -5.34% | -5.59% | -478 bps | |
| Loan Growth (YoY) | 9.39% | 4.02% | -8.33% | -9.14% | -10.97% | -2,036 bps | |
| Deposit Growth (YoY) | 7.40% | -1.03% | 3.80% | -5.09% | -6.41% | -1,381 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.90% | 1.48% | 1.65% | 1.31% | 2.28% | +138 bps | |
| Allowance / Loans | 2.70% | 2.45% | 2.63% | 2.51% | 2.17% | -52 bps | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 11.51% | 11.56% | 11.52% | 11.74% | 12.34% | +83 bps | |
| Equity / Assets | 7.58% | 7.77% | 7.22% | 7.95% | 8.22% | +64 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 79.39% | 79.92% | 68.95% | 77.57% | 75.53% | -387 bps | |
| Liquid Assets / Assets | 0.03% | 0.16% | 0.33% | 0.03% | 0.08% | +5 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |