San Bernardino, CA · Cert 25070
FDIC
Q4 2003
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 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.17% | 1.10% | 1.14% | 1.18% | 1.16% | 1.17% | 1.18% | 1.23% | +5 bps | |
| Return on Equity | 11.74% | 10.86% | 11.00% | 11.23% | 10.52% | 10.72% | 10.85% | 11.35% | +12 bps | |
| Net Interest Margin | 4.97% | 5.07% | 5.16% | 5.07% | 4.89% | 4.77% | 4.66% | 4.62% | -46 bps | |
| Efficiency Ratio | 71.23% | 70.52% | 68.57% | 66.90% | 64.95% | 64.87% | 64.75% | 63.80% | -310 bps | |
| Non-Interest Burden | 3.39% | 3.42% | 3.36% | 3.20% | 2.95% | 2.84% | 2.76% | 2.67% | -53 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 80.51% | 83.97% | 69.20% | 63.10% | 3.46% | 5.92% | 9.49% | 11.10% | -5,200 bps | |
| Loan Growth (YoY) | 106.53% | 117.20% | 101.32% | 84.41% | -1.78% | -0.73% | 2.12% | 10.69% | -7,372 bps | |
| Deposit Growth (YoY) | 89.45% | 84.52% | 76.82% | 73.01% | 1.56% | 6.10% | 11.31% | 12.20% | -6,081 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 | -0.02% | 0.00% | 0.04% | 0.03% | -0.02% | 0.04% | -0.01% | 0.00% | -3 bps | |
| Allowance / Loans | 1.22% | 1.22% | 1.28% | 1.44% | 1.47% | 1.38% | 1.41% | 1.35% | -9 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 | 10.21% | 10.45% | 10.94% | 11.58% | 11.57% | 11.01% | 11.07% | 11.17% | -41 bps | |
| Equity / Assets | 10.43% | 10.48% | 10.90% | 10.92% | 11.10% | 10.73% | 10.68% | 10.60% | -33 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 72.86% | 76.16% | 74.93% | 70.99% | 70.46% | 71.26% | 68.74% | 70.04% | -95 bps | |
| Liquid Assets / Assets | 0.23% | 0.19% | 0.03% | 0.03% | 0.01% | 0.01% | 0.01% | 0.02% | -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 |