Chico, CA · Cert 23756
FDIC
Q1 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 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.30% | 1.37% | 1.45% | 1.50% | 1.48% | 1.49% | 1.46% | 1.69% | +19 bps | |
| Return on Equity | n/a | n/a | n/a | 15.98% | 15.92% | 15.94% | 15.50% | 16.82% | +84 bps | |
| Net Interest Margin | 4.07% | 4.13% | 4.15% | 4.28% | 4.11% | 4.05% | 4.01% | 3.84% | -44 bps | |
| Efficiency Ratio | 50.50% | 48.85% | 47.67% | 46.01% | 45.19% | 45.28% | 45.97% | 47.30% | +129 bps | |
| Non-Interest Burden | 1.84% | 1.81% | 1.77% | 1.76% | 1.66% | 1.65% | 1.65% | 1.64% | -12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.66% | 7.23% | 10.55% | 11.45% | 16.29% | 11.38% | 12.02% | 4.06% | -739 bps | |
| Loan Growth (YoY) | 7.90% | 5.67% | 5.20% | 3.45% | 1.83% | 5.93% | 12.46% | 7.53% | +408 bps | |
| Deposit Growth (YoY) | 5.90% | 5.80% | 10.22% | 11.65% | 16.18% | 11.46% | 11.80% | 2.87% | -879 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 | -0.01% | 0.00% | 0.00% | -0.01% | 0.14% | 0.09% | 0.06% | 0.04% | +5 bps | |
| Allowance / Loans | 1.23% | 1.25% | 1.34% | 1.37% | 1.28% | 1.21% | 1.13% | 1.20% | -17 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 | 15.59% | 15.50% | 16.22% | 15.78% | 15.46% | 15.48% | 15.10% | 17.50% | +172 bps | |
| Equity / Assets | 9.09% | 9.52% | 9.56% | 9.27% | 9.05% | 9.63% | 9.74% | 10.39% | +113 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 64.08% | 64.10% | 63.31% | 58.42% | 56.17% | 60.92% | 63.69% | 61.07% | +265 bps | |
| Liquid Assets / Assets | 1.46% | 2.81% | 5.21% | 4.32% | 0.97% | 1.38% | 1.20% | 0.89% | -343 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |