PackageTrendsPeer
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First National Bank of Central California

Salinas, CA · Cert 25185

FDIC

Q4 2001

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2001, the quarter ended December 31, 2001, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

First National Bank of Central California

Salinas, CA · Cert 25185

FDIC

Q4 2001

$1.2BAssets
$902.2MLoans
$1.1BDeposits
$100.3MEquity
Loan mix
34%RE $122.3M66%C&I $238.8M0%Consumer $1.2MQ4 2000Q4 2001
Deposit mix
79%Interest-bearing $863.2M21%Noninterest $232.0MQ4 2000Q4 2001

NIM

7.68%Q1 ’017.37%Q3 ’017.00%Q4 ’01-2%-3%

Non-interest income vs. expense

3.35%Q1 ’013.39%Q3 ’013.19%Q4 ’01+1%-13%

Executive Summary

  • Earnings: ROA of 1.31%, up 17 bps year over year; NIM at 4.53%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.25%.
  • Funding: loans stand at 82.38% of deposits as of Q4 2001.

Financial Results

Return on Assets (YTD, annualized)

1.31%+17 bps YoY

Net Interest Margin (YTD, annualized)

4.53%

Efficiency Ratio (YTD, annualized)

57.76%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2000Q1 2001Q2 2001Q3 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets1.14%1.22%1.30%1.26%1.31%+17 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/a4.80%4.68%4.69%4.53%n/a
Efficiency Ration/a59.46%59.29%61.11%57.76%n/a
Non-Interest Burdenn/a2.52%2.43%2.53%2.20%n/a
Growth
Asset Growth (YoY)29.33%26.33%22.35%0.93%4.94%-2,439 bps
Loan Growth (YoY)28.02%30.80%27.82%10.52%16.93%-1,109 bps
Deposit Growth (YoY)32.59%29.41%24.09%0.58%3.69%-2,890 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/a0.13%0.06%0.09%0.25%n/a
Allowance / Loansn/a1.57%1.52%1.54%1.56%n/a
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 Capitaln/a10.63%10.55%10.49%10.56%n/a
Equity / Assetsn/a7.78%7.96%8.21%8.12%n/a
Liquidity & Funding
Loans / Deposits73.05%74.15%77.52%80.55%82.38%+933 bps
Liquid Assets / Assets0.00%0.35%0.21%0.15%0.13%+13 bps
CRE / Total Capitaln/an/an/an/an/an/an/a