Tustin, CA · Cert 26014
FDIC
Q2 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2002, the quarter ended June 30, 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.
Tustin, CA · Cert 26014
FDIC
Q2 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 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.68% | 1.65% | 1.56% | 1.62% | 1.61% | 1.62% | 0.40% | 1.04% | -58 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | 5.90% | 15.05% | n/a | |
| Net Interest Margin | n/a | n/a | 3.83% | 3.99% | 4.00% | 4.10% | 4.38% | 4.35% | +35 bps | |
| Efficiency Ratio | n/a | n/a | 37.43% | 36.52% | 35.01% | 34.65% | 34.13% | 33.57% | -295 bps | |
| Non-Interest Burden | n/a | n/a | 1.38% | 1.43% | 1.38% | 1.40% | 1.49% | 1.45% | +3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 22.48% | 13.00% | 7.25% | 6.92% | 4.92% | 3.67% | 4.94% | 10.20% | +327 bps | |
| Loan Growth (YoY) | 19.44% | 9.13% | 4.38% | 0.16% | 2.19% | 3.65% | 5.43% | 10.36% | +1,021 bps | |
| Deposit Growth (YoY) | 24.40% | 9.75% | 2.94% | 5.08% | 3.10% | 8.12% | 13.80% | 13.89% | +880 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | n/a | n/a | 1.12% | 1.14% | 1.15% | 1.15% | 1.16% | 1.15% | +1 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 | 10.65% | 10.83% | 10.59% | 10.19% | 10.33% | 10.41% | -42 bps | |
| Equity / Assets | n/a | n/a | 7.12% | 7.12% | 7.03% | 6.72% | 6.97% | 7.12% | 0 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 122.59% | 126.88% | 122.24% | 118.78% | 121.52% | 121.63% | 113.26% | 115.11% | -367 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.01% | 0.43% | 0.45% | 0.27% | 0.26% | +25 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |