Orange, CA · Cert 26314
FDIC
Q3 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 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.03% | -3.76% | -4.32% | -5.09% | -4.61% | 0.36% | -6.85% | -4.76% | +33 bps | |
| Return on Equity | 2.39% | -4.54% | -5.07% | -6.08% | -5.39% | 0.42% | -7.76% | -5.56% | +51 bps | |
| Net Interest Margin | 8.46% | 3.74% | 3.04% | 2.93% | 2.70% | 1.69% | 1.91% | 1.86% | -106 bps | |
| Efficiency Ratio | 121.52% | 173.08% | 233% | 284% | 285% | 229% | 364% | 332% | +4,863 bps | |
| Non-Interest Burden | 10.45% | 6.97% | 7.64% | 7.64% | 7.16% | 5.06% | 8.22% | 6.94% | -71 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.48% | 0.42% | -8.37% | -7.81% | -9.11% | -7.13% | -9.50% | -3.18% | +463 bps | |
| Loan Growth (YoY) | -72.08% | -92.62% | -96.30% | -96.83% | -97.43% | -90.48% | -87.50% | -100.00% | -317 bps | |
| Deposit Growth (YoY) | -37.26% | 0.59% | -58.11% | 0.80% | -13.33% | -2.52% | -29.84% | -1.18% | -198 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | n/a | n/a | |
| Net Charge-Offs / Loans | -6.54% | -33.33% | -87.50% | -188.24% | -291% | -500% | -550% | 0.00% | +18,824 bps | |
| Allowance / Loans | 0.70% | 1.19% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | n/a | 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 | 89.71% | 91.47% | 106.60% | 116.17% | 448% | 387% | 464% | 385% | +26,865 bps | |
| Equity / Assets | 89.31% | 77.26% | 90.73% | 79.31% | 93.11% | 79.27% | 94.35% | 77.87% | -144 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 259% | 16.31% | 25.81% | 3.35% | 7.69% | 1.59% | 4.60% | 0.00% | -335 bps | |
| Liquid Assets / Assets | 0.13% | 3.95% | 18.31% | 23.67% | 97.78% | 81.96% | 99.34% | 81.99% | +5,833 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |