San Diego, CA · Cert 23634
FDIC
Q2 2002
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.41% | 0.18% | 0.33% | -1.89% | -0.37% | -0.90% | 0.18% | 0.46% | +235 bps | |
| Return on Equity | n/a | n/a | n/a | -24.20% | -4.79% | -12.05% | 2.38% | 5.72% | +2,992 bps | |
| Net Interest Margin | n/a | n/a | 4.31% | 3.87% | 3.89% | 3.78% | 3.58% | 4.01% | +14 bps | |
| Efficiency Ratio | n/a | n/a | 79.33% | 92.39% | 91.29% | 111.56% | 82.93% | 74.13% | -1,826 bps | |
| Non-Interest Burden | n/a | n/a | 3.13% | 3.48% | 3.44% | 4.38% | 2.74% | 2.49% | -99 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 21.00% | 14.54% | 3.86% | -0.82% | -2.08% | 2.54% | -5.34% | -5.59% | -478 bps | |
| Loan Growth (YoY) | 32.82% | 23.53% | 19.68% | 9.39% | 4.02% | -8.33% | -9.14% | -10.97% | -2,036 bps | |
| Deposit Growth (YoY) | 26.85% | 25.39% | 9.43% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | -0.10% | 1.90% | 2.64% | 1.77% | 1.31% | 3.21% | +131 bps | |
| Allowance / Loans | n/a | n/a | 1.77% | 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 | 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 | 11.62% | 11.51% | 11.56% | 11.52% | 11.74% | 12.34% | +83 bps | |
| Equity / Assets | n/a | n/a | 8.01% | 7.58% | 7.77% | 7.22% | 7.95% | 8.22% | +64 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.04% | 78.07% | 81.02% | 79.39% | 79.92% | 68.95% | 77.57% | 75.53% | -387 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.57% | 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 | n/a | n/a | n/a |