PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Upland Bank

Upland, CA · Cert 25060

FDIC

Q2 2002

$111.9MAssets
$94.8MLoans
$97.4MDeposits
$11.9MEquity
Loan mix
14%RE $2.1M84%C&I $12.4M2%Consumer $0.2MQ2 2001Q2 2002
Deposit mix
75%Interest-bearing $72.9M25%Noninterest $24.5MQ2 2001Q2 2002

NIM

9.66%Q1 ’019.51%Q2 ’017.25%Q2 ’02+3%-13%

Non-interest income vs. expense

4.15%Q1 ’014.04%Q2 ’013.91%Q2 ’02+13%-7%

Executive Summary

  • Earnings: ROA of 1.32%, down 13 bps year over year; NIM at 5.23%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 97.30% of deposits as of Q2 2002.

Financial Results

Return on Assets (quarter, annualized)

1.32%-13 bps YoY

Net Interest Margin (quarter, annualized)

5.23%-81 bps YoY

Efficiency Ratio (quarter, annualized)

64.99%+472 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ2 2001Q3 2001Q4 2001Q1 2002Q2 2002YoY ΔTrend
Earnings
Return on Assets1.45%1.24%1.06%1.12%1.32%-13 bps
Return on Equity14.02%11.39%9.79%10.54%12.46%-156 bps
Net Interest Margin6.04%5.71%5.34%5.39%5.23%-81 bps
Efficiency Ratio60.27%67.44%66.41%69.60%64.99%+472 bps
Non-Interest Burden3.37%3.62%3.52%3.49%3.13%-24 bps
Growth
Asset Growth (YoY)10.24%5.79%-0.98%1.39%14.22%+399 bps
Loan Growth (YoY)8.60%3.08%6.29%5.92%13.79%+519 bps
Deposit Growth (YoY)8.82%4.30%-3.24%0.06%14.81%+599 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.10%0.00%0.00%0.00%0 bps
Allowance / Loans1.47%1.50%1.38%1.36%1.32%-16 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 Capital10.11%10.27%10.03%9.87%9.53%-58 bps
Equity / Assets11.06%10.77%10.81%10.50%10.63%-42 bps
Liquidity & Funding
Loans / Deposits98.17%90.34%98.28%93.01%97.30%-87 bps
Liquid Assets / Assets2.60%2.46%2.45%2.22%2.09%-51 bps
CRE / Total Capitaln/an/an/an/an/an/an/a