Santa Fe Springs, CA · Cert 25069
FDIC
Q4 2002
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | 0.36% | 0.39% | -1.31% | 0.07% | -1.04% | 0.33%1 | 0.49% | +180 bps | |
| Return on Equity | n/a | 3.56% | 3.71% | -11.82% | 0.64% | -8.91% | 2.92% | 4.44% | +1,625 bps | |
| Net Interest Margin | 5.19% | 4.27% | 4.06% | 3.87% | 4.26% | 4.06% | 3.81% | 4.37% | +50 bps | |
| Efficiency Ratio | 68.54% | 75.27% | 77.74% | 90.77% | 87.12% | 101.38% | 91.68% | 80.80% | -997 bps | |
| Non-Interest Burden | 3.29% | 3.03% | 2.92% | 3.41% | 3.63% | 4.13% | 3.49% | 3.45% | +4 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% | 1.59% | 0.40% | 6.24% | -0.23% | 2.52% | -0.13% | -0.01% | -625 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 |