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San Jose National Bank

San Jose, CA · Cert 23881

FDIC

Q4 2003

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2003, the quarter ended December 31, 2003, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

San Jose National Bank

San Jose, CA · Cert 23881

FDIC

Q4 2003

$639.5MAssets
$364.0MLoans
$496.3MDeposits
$69.0MEquity
Loan mix
18%RE $24.4M74%C&I $98.6M7%Consumer $9.4MQ4 2002Q4 2003
Deposit mix
92%Interest-bearing $457.6M8%Noninterest $38.7MQ4 2002Q4 2003

NIM

7.05%Q4 ’016.19%Q4 ’024.65%Q4 ’03-5%-21%

Non-interest income vs. expense

4.57%Q4 ’011.30%Q4 ’022.71%Q4 ’03-77%+163%

Executive Summary

  • Earnings: ROA of 0.46%, down 111 bps year over year; NIM at 3.42%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.17%.
  • Funding: loans stand at 73.33% of deposits as of Q4 2003.

Financial Results

Return on Assets (YTD, annualized)

0.46%-111 bps YoY

Net Interest Margin (YTD, annualized)

3.42%-91 bps YoY

Efficiency Ratio (YTD, annualized)

71.30%+4,400 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2002Q1 2003Q2 2003Q3 2003Q4 2003YoY ΔTrend
Earnings
Return on Assets1.56%0.37%0.45%0.47%0.46%-111 bps
Return on Equity18.83%3.98%4.77%4.89%4.61%-1,422 bps
Net Interest Margin4.33%3.24%3.14%3.27%3.42%-91 bps
Efficiency Ratio27.29%59.86%65.88%70.08%71.30%+4,400 bps
Non-Interest Burden0.89%1.84%1.97%2.21%2.35%+146 bps
Growth
Asset Growth (YoY)-13.46%-11.52%-9.84%-12.08%-13.58%-12 bps
Loan Growth (YoY)-15.07%-10.75%-16.60%-14.51%-14.73%+34 bps
Deposit Growth (YoY)-1.76%6.19%7.84%3.26%-6.63%-487 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans1.35%0.72%0.37%0.21%0.17%-118 bps
Allowance / Loans2.90%3.25%3.55%3.68%4.01%+111 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital14.13%14.58%15.27%15.81%16.14%+201 bps
Equity / Assets9.55%9.23%9.75%10.23%10.79%+124 bps
Liquidity & Funding
Loans / Deposits80.30%70.41%68.52%69.80%73.33%-697 bps
Liquid Assets / Assets0.01%0.11%0.05%0.06%0.00%-1 bps
CRE / Total Capitaln/an/an/an/an/an/an/a