PackageTrendsPeer
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Capital Bank of North County

Carlsbad, CA · Cert 25828

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

Capital Bank of North County

Carlsbad, CA · Cert 25828

FDIC

Q4 2001

$143.7MAssets
$93.1MLoans
$132.1MDeposits
$10.6MEquity
Loan mix
19%RE $8.6M81%C&I $36.7M0%Consumer $0.1MQ4 2000Q4 2001
Deposit mix
64%Interest-bearing $84.5M36%Noninterest $47.5MQ4 2000Q4 2001

NIM

7.34%Q1 ’016.45%Q3 ’016.45%Q4 ’01-10%+4%

Non-interest income vs. expense

4.28%Q1 ’013.87%Q3 ’013.90%Q4 ’01-12%+1%

Executive Summary

  • Earnings: ROA of 1.21%, unchanged from a year ago; NIM at 4.64%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.01%.
  • Funding: loans stand at 70.46% of deposits as of Q4 2001.

Financial Results

Return on Assets (YTD, annualized)

1.21%0 bps YoY

Net Interest Margin (YTD, annualized)

4.64%

Efficiency Ratio (YTD, annualized)

67.06%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2000Q1 2001Q2 2001Q3 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets1.21%1.10%1.10%1.15%1.21%0 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/a4.96%4.65%4.45%4.64%n/a
Efficiency Ration/a69.22%68.61%68.84%67.06%n/a
Non-Interest Burdenn/a3.06%2.81%2.70%2.73%n/a
Growth
Asset Growth (YoY)23.16%30.75%24.42%23.45%14.87%-828 bps
Loan Growth (YoY)13.69%8.02%9.47%18.52%28.58%+1,490 bps
Deposit Growth (YoY)23.26%31.44%24.74%23.44%14.49%-877 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/a0.00%0.01%0.01%0.01%n/a
Allowance / Loansn/a1.11%1.07%1.00%1.00%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/a12.23%12.18%12.00%12.03%n/a
Equity / Assetsn/a7.04%7.18%7.41%7.39%n/a
Liquidity & Funding
Loans / Deposits62.73%62.71%63.66%67.20%70.46%+772 bps
Liquid Assets / Assets0.00%0.50%0.41%0.32%0.31%+31 bps
CRE / Total Capitaln/an/an/an/an/an/an/a