Oakland, CA · Cert 25797
FDIC
Q4 2001
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2000 | Q2 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.41% | 1.30% | 1.39% | 1.45% | 1.22% | 0.90% | 0.92% | 0.62% | -83 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 8.28% | 8.19% | 5.57% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | n/a | 5.68% | 5.05% | 4.81% | 4.21% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 64.93% | 71.53% | 69.56% | 69.93% | n/a | |
| Non-Interest Burden | n/a | n/a | n/a | n/a | 3.54% | 3.47% | 3.15% | 2.76% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.78% | 35.62% | 28.72% | 29.38% | 7.04% | -2.03% | 2.94% | 5.20% | -2,418 bps | |
| Loan Growth (YoY) | 45.12% | 44.71% | 33.95% | 32.37% | 2.07% | -0.07% | 1.59% | 1.62% | -3,076 bps | |
| Deposit Growth (YoY) | 13.40% | 31.89% | 27.09% | 28.28% | 7.76% | -0.59% | 3.94% | 6.49% | -2,179 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 | n/a | 0.10% | -0.01% | 0.15% | 0.22% | n/a | |
| Allowance / Loans | n/a | n/a | n/a | n/a | 1.89% | 1.84% | 1.86% | 1.87% | n/a | |
| 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 | n/a | 10.50% | 10.95% | 11.11% | 11.27% | n/a | |
| Equity / Assets | n/a | n/a | n/a | n/a | 10.61% | 11.25% | 11.24% | 11.12% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.23% | 85.41% | 86.25% | 86.49% | 77.89% | 85.86% | 84.30% | 82.53% | -396 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 8.18% | 7.62% | 6.66% | 6.47% | +647 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |