Upland, CA · Cert 25060
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.
Upland, CA · Cert 25060
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 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.07% | 1.89% | 1.52% | 1.50% | 1.40% | 1.32% | 1.12% | 1.23% | -28 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | 10.54% | 11.51% | n/a | |
| Net Interest Margin | n/a | n/a | 5.85% | 5.96% | 5.98% | 5.63% | 5.39% | 5.20% | -76 bps | |
| Efficiency Ratio | n/a | n/a | 59.10% | 59.67% | 62.10% | 63.04% | 69.60% | 67.29% | +762 bps | |
| Non-Interest Burden | n/a | n/a | 2.98% | 3.18% | 3.38% | 3.31% | 3.49% | 3.24% | +5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 25.39% | 31.47% | 31.18% | 10.24% | 5.79% | -0.98% | 1.39% | 14.22% | +399 bps | |
| Loan Growth (YoY) | 28.05% | 32.85% | 24.92% | 8.60% | 3.08% | 6.29% | 5.92% | 13.79% | +519 bps | |
| Deposit Growth (YoY) | 25.55% | 32.48% | 32.39% | 8.82% | 4.30% | -3.24% | 0.06% | 14.81% | +599 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 | 0.00% | 0.00% | 0.03% | 0.02% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | n/a | n/a | 1.39% | 1.47% | 1.50% | 1.38% | 1.36% | 1.32% | -16 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 | 10.31% | 10.11% | 10.27% | 10.03% | 9.87% | 9.53% | -58 bps | |
| Equity / Assets | n/a | n/a | 9.65% | 11.06% | 10.77% | 10.81% | 10.50% | 10.63% | -42 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.41% | 89.47% | 87.85% | 98.17% | 90.34% | 98.28% | 93.01% | 97.30% | -87 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 2.67% | 2.60% | 2.46% | 2.45% | 2.22% | 2.09% | -51 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |