Cupertino, CA · Cert 26254
FDIC
Q4 2003
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 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.34% | 1.26% | 0.71% | 1.01% | 1.49% | 1.32% | 1.25% | 1.19% | +18 bps | |
| Return on Equity | 18.48% | 17.15% | 9.79% | 13.65% | 18.36% | 15.85% | 14.67% | 13.74% | +9 bps | |
| Net Interest Margin | 5.46% | 5.21% | 5.25% | 5.23% | 5.23% | 5.29% | 5.45% | 5.39% | +16 bps | |
| Efficiency Ratio | 48.59% | 50.40% | 49.83% | 49.50% | 58.35% | 58.59% | 57.22% | 57.24% | +774 bps | |
| Non-Interest Burden | 2.25% | 2.26% | 2.22% | 2.17% | 2.59% | 2.66% | 2.59% | 2.56% | +39 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 27.34% | 14.58% | 16.17% | 5.95% | -3.12% | -6.49% | -8.52% | -6.42% | -1,237 bps | |
| Loan Growth (YoY) | 15.60% | 15.61% | 16.54% | 11.88% | 2.06% | -2.78% | -4.67% | -7.15% | -1,903 bps | |
| Deposit Growth (YoY) | -10.57% | 2.71% | -7.05% | -9.94% | 6.43% | -3.04% | 3.48% | 13.19% | +2,313 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 | 2.53% | 1.88% | 2.54% | 2.05% | 0.71% | 0.83% | 1.12% | 1.23% | -81 bps | |
| Allowance / Loans | 3.03% | 2.98% | 3.30% | 3.18% | 3.21% | 3.38% | 3.42% | 3.46% | +27 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 | 11.36% | 11.54% | 11.29% | 11.80% | 12.42% | 12.84% | 13.16% | 13.37% | +156 bps | |
| Equity / Assets | 7.29% | 7.44% | 7.18% | 7.81% | 8.39% | 8.89% | 9.02% | 9.32% | +151 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 130.51% | 120.63% | 128.19% | 143.13% | 125.15% | 120.96% | 118.10% | 117.41% | -2,572 bps | |
| Liquid Assets / Assets | 0.01% | 0.01% | 0.00% | 0.04% | 0.01% | 0.02% | 0.00% | 0.08% | +4 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |