Santa Fe Springs, CA · Cert 25069
FDIC
Q4 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2002, the quarter ended December 31, 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.
Santa Fe Springs, CA · Cert 25069
FDIC
Q4 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 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.82% | 0.59% | 0.53% | 0.09%1 | 0.07% | -0.48% | -0.20% | -0.03% | -12 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 0.64% | -4.12% | -1.79% | -0.23% | n/a | |
| Net Interest Margin | 5.19% | 4.61% | 4.45% | 4.48% | 4.26% | 4.20% | 3.99% | 3.93% | -55 bps | |
| Efficiency Ratio | 68.54% | 71.67% | 73.61% | 77.53% | 87.12% | 94.04% | 93.35% | 89.87% | +1,235 bps | |
| Non-Interest Burden | 3.29% | 3.08% | 3.05% | 3.26% | 3.63% | 3.91% | 3.70% | 3.49% | +23 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.38% | -2.26% | 0.41% | -8.80% | -15.09% | -16.05% | -5.25% | 2.45% | +1,125 bps | |
| Loan Growth (YoY) | -19.76% | -11.17% | 0.39% | -5.67% | -1.75% | -7.09% | -5.50% | 15.54% | +2,120 bps | |
| Deposit Growth (YoY) | -2.49% | -4.17% | 0.33% | -10.56% | -15.07% | -14.87% | -2.64% | 6.80% | +1,736 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 | 0.61% | 1.09% | 0.81% | 2.25% | -0.23% | 1.14% | 0.65% | 0.45% | -180 bps | |
| Allowance / Loans | 1.73% | 1.58% | 1.61% | 1.42% | 1.64% | 1.68% | 1.58% | 1.52% | +10 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 | 13.06% | 13.02% | 12.61% | 13.77% | 13.76% | 13.63% | 12.88% | 12.43% | -134 bps | |
| Equity / Assets | 10.00% | 10.17% | 10.71% | 11.49% | 11.63% | 11.67% | 10.76% | 11.21% | -29 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 69.91% | 73.18% | 81.75% | 81.33% | 80.86% | 79.87% | 79.36% | 87.98% | +665 bps | |
| Liquid Assets / Assets | 17.70% | 7.41% | 8.47% | 10.72% | 10.33% | 10.76% | 7.92% | 8.51% | -220 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |