Santa Rosa, CA · Cert 25910
FDIC
Q4 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2004, the quarter ended December 31, 2004, 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.
Santa Rosa, CA · Cert 25910
FDIC
Q4 2004
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 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.71% | 1.78% | 1.80% | 1.66% | 1.54% | 1.62% | 1.68% | 1.77% | +11 bps | |
| Return on Equity | 22.51% | 23.26% | 23.10% | 21.26% | 19.06% | 19.68% | 20.24% | 21.04% | -22 bps | |
| Net Interest Margin | 4.54% | 4.50% | 4.62% | 4.67% | 4.63% | 4.64% | 4.70% | 4.69% | +1 bps | |
| Efficiency Ratio | 53.71% | 52.04% | 51.78% | 51.74% | 56.28% | 54.92% | 54.08% | 53.02% | +128 bps | |
| Non-Interest Burden | 1.84% | 1.75% | 1.79% | 1.79% | 2.02% | 1.91% | 1.90% | 1.78% | -1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.54% | 5.04% | 0.98% | 2.87% | -4.72% | -2.49% | 1.01% | -3.93% | -680 bps | |
| Loan Growth (YoY) | 13.14% | 16.07% | 11.90% | 13.60% | 3.40% | 2.01% | 7.94% | 5.24% | -836 bps | |
| Deposit Growth (YoY) | 10.37% | 4.81% | 1.31% | 1.52% | -5.33% | -2.48% | -8.97% | -14.50% | -1,602 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 | 0.05% | -0.04% | -0.05% | 0.06% | -0.01% | 0.06% | 0.03% | 0.00% | -6 bps | |
| Allowance / Loans | 1.85% | 1.80% | 1.83% | 1.73% | 1.74% | 1.66% | 1.59% | 1.64% | -8 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 | 10.50% | 10.64% | 11.29% | 10.65% | 11.05% | 10.97% | 10.72% | 11.20% | +55 bps | |
| Equity / Assets | 7.44% | 7.76% | 8.33% | 7.79% | 8.39% | 8.48% | 8.50% | 8.85% | +106 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.47% | 89.05% | 90.04% | 90.14% | 90.08% | 93.15% | 106.76% | 110.94% | +2,080 bps | |
| Liquid Assets / Assets | 2.90% | 3.10% | 3.49% | 3.33% | 3.49% | 3.37% | 2.75% | 2.80% | -53 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |