San Jose, CA · Cert 23881
FDIC
Q4 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.93% | 2.43% | 0.99% | 0.78% | 0.37% | 0.53% | 0.51% | 0.40% | -39 bps | |
| Return on Equity | 26.20% | 30.72% | 11.30% | 8.42% | 3.98% | 5.59% | 5.08% | 3.76% | -466 bps | |
| Net Interest Margin | 4.19% | 4.21% | 4.01% | 3.66% | 3.24% | 3.04% | 3.26% | 3.38% | -29 bps | |
| Efficiency Ratio | 31.14% | 27.38% | 24.80% | 25.12% | 59.86% | 72.15% | 78.70% | 74.89% | +4,977 bps | |
| Non-Interest Burden | 1.11% | 0.84% | 0.79% | 0.55% | 1.84% | 2.11% | 2.52% | 2.43% | +189 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 32.35% | 23.41% | 17.92% | -13.46% | -11.52% | -9.84% | -12.08% | -13.58% | -12 bps | |
| Loan Growth (YoY) | -3.69% | -4.10% | -9.37% | -15.07% | -10.75% | -16.60% | -14.51% | -14.73% | +34 bps | |
| Deposit Growth (YoY) | 1.08% | -7.38% | -6.77% | -1.76% | 6.19% | 7.84% | 3.26% | -6.63% | -487 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 | -0.04% | 0.01% | 3.08% | 2.25% | 0.72% | -0.02% | -0.13% | 0.03% | -222 bps | |
| Allowance / Loans | 2.23% | 2.22% | 2.43% | 2.90% | 3.25% | 3.55% | 3.68% | 4.01% | +111 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 | 11.63% | 12.94% | 13.68% | 14.13% | 14.58% | 15.27% | 15.81% | 16.14% | +201 bps | |
| Equity / Assets | 7.42% | 8.43% | 9.07% | 9.55% | 9.23% | 9.75% | 10.23% | 10.79% | +124 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.77% | 88.59% | 84.31% | 80.30% | 70.41% | 68.52% | 69.80% | 73.33% | -697 bps | |
| Liquid Assets / Assets | 0.04% | 0.07% | 0.01% | 0.01% | 0.11% | 0.05% | 0.06% | 0.00% | -1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |