Red Bluff, CA · Cert 25594
FDIC
Q1 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2002, the quarter ended March 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.
Red Bluff, CA · Cert 25594
FDIC
Q1 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 | Q2 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.08% | 1.22% | 1.29% | 0.01%1 | 0.58% | 0.72% | 0.56% | 1.33% | +132 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 17.07% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | 3.92% | 3.85% | 3.74% | 3.71% | 4.58% | +66 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 87.46% | 74.55% | 70.79% | 76.74% | 61.15% | -2,631 bps | |
| Non-Interest Burden | n/a | n/a | n/a | 3.27% | 2.51% | 2.27% | 2.55% | 2.34% | -92 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 17.62% | 18.20% | 14.06% | 10.66% | 11.68% | 12.59% | 11.99% | 7.00% | -366 bps | |
| Loan Growth (YoY) | 30.93% | 23.09% | 17.13% | 13.23% | 10.77% | 7.13% | 4.76% | 3.57% | -966 bps | |
| Deposit Growth (YoY) | 14.86% | 14.66% | 9.25% | 14.21% | 13.52% | 15.15% | 16.46% | 6.38% | -783 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 | n/a | n/a | n/a | 0.83% | 0.51% | 0.37% | 0.37% | -0.03% | -86 bps | |
| Allowance / Loans | n/a | n/a | n/a | 1.33% | 1.37% | 1.45% | 1.57% | 1.63% | +30 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 | n/a | n/a | n/a | 10.44% | 10.64% | 10.05% | 11.66% | 10.84% | +41 bps | |
| Equity / Assets | n/a | n/a | n/a | 7.59% | 7.50% | 6.95% | 7.93% | 7.65% | +6 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.79% | 79.52% | 81.32% | 78.99% | 76.88% | 73.99% | 73.15% | 76.90% | -209 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.04% | 0.10% | 0.17% | 0.36% | +36 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |