PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Civicbank of Commerce

Oakland, CA · Cert 25797

FDIC

Q4 2001

$524.3MAssets
$377.5MLoans
$457.5MDeposits
$58.3MEquity
Loan mix
10%RE $23.2M87%C&I $202.7M3%Consumer $7.3MQ4 2000Q4 2001
Deposit mix
82%Interest-bearing $376.7M18%Noninterest $80.7MQ4 2000Q4 2001

NIM

8.02%Q1 ’017.22%Q3 ’016.63%Q4 ’01-10%-7%

Non-interest income vs. expense

3.97%Q1 ’013.88%Q3 ’013.66%Q4 ’01-5%-7%

Executive Summary

  • Earnings: ROA of 0.92%, down 53 bps year over year; NIM at 4.78%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.11%.
  • Funding: loans stand at 82.53% of deposits as of Q4 2001.

Financial Results

Return on Assets (YTD, annualized)

0.92%-53 bps YoY

Net Interest Margin (YTD, annualized)

4.78%

Efficiency Ratio (YTD, annualized)

68.87%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2000Q1 2001Q2 2001Q3 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets1.45%1.22%1.07%1.02%0.92%-53 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/a5.68%5.36%5.13%4.78%n/a
Efficiency Ration/a64.93%68.07%68.55%68.87%n/a
Non-Interest Burdenn/a3.54%3.50%3.35%3.12%n/a
Growth
Asset Growth (YoY)29.38%7.04%-2.03%2.94%5.20%-2,418 bps
Loan Growth (YoY)32.37%2.07%-0.07%1.59%1.62%-3,076 bps
Deposit Growth (YoY)28.28%7.76%-0.59%3.94%6.49%-2,179 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/a0.10%0.05%0.08%0.11%n/a
Allowance / Loansn/a1.89%1.84%1.86%1.87%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/a10.50%10.95%11.11%11.27%n/a
Equity / Assetsn/a10.61%11.25%11.24%11.12%n/a
Liquidity & Funding
Loans / Deposits86.49%77.89%85.86%84.30%82.53%-396 bps
Liquid Assets / Assets0.00%8.18%7.62%6.66%6.47%+647 bps
CRE / Total Capitaln/an/an/an/an/an/an/a