Agoura Hills, CA · Cert 26325
FDIC
Q4 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2003, the quarter ended December 31, 2003, 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.
Agoura Hills, CA · Cert 26325
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 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.53% | 1.63% | 1.78% | 1.72% | 1.74% | +21 bps | |
| Return on Equity | 15.82% | 16.67% | 17.81% | 16.92% | 16.71% | +89 bps | |
| Net Interest Margin | 4.62% | 4.61% | 4.53% | 4.67% | 4.71% | +9 bps | |
| Efficiency Ratio | 44.54% | 42.67% | 42.03% | 42.46% | 43.98% | -56 bps | |
| Non-Interest Burden | 1.87% | 1.75% | 1.66% | 1.72% | 1.81% | -5 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 10.86% | 10.58% | 7.30% | 6.38% | -5.44% | -1,630 bps | |
| Loan Growth (YoY) | -1.27% | 0.49% | -4.22% | -5.29% | -7.35% | -608 bps | |
| Deposit Growth (YoY) | -10.44% | -10.33% | -6.58% | -9.01% | -13.84% | -340 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.04% | 0.00% | 0.00% | 0.00% | 0.01% | +4 bps | |
| Allowance / Loans | 1.88% | 1.89% | 1.94% | 2.00% | 2.07% | +18 bps | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 14.17% | 14.51% | 15.10% | 15.79% | 16.68% | +251 bps | |
| Equity / Assets | 9.65% | 9.85% | 10.47% | 10.66% | 11.40% | +175 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 125.83% | 125.20% | 126.25% | 128.21% | 135.33% | +949 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |