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Pacific Crest Bank

Agoura Hills, CA · Cert 26325

FDIC

Q4 2003

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

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.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Pacific Crest Bank

Agoura Hills, CA · Cert 26325

FDIC

Q4 2003

$566.5MAssets
$422.6MLoans
$312.3MDeposits
$64.6MEquity
Loan mix
37%RE $18.1M63%C&I $30.3M0%Consumer $0.0MQ4 2002Q4 2003
Deposit mix
97%Interest-bearing $303.9M3%Noninterest $8.4MQ4 2002Q4 2003

NIM

8.80%Q4 ’017.51%Q4 ’026.88%Q4 ’03+17%+2%

Non-interest income vs. expense

2.07%Q4 ’012.21%Q4 ’022.28%Q4 ’03+6%-3%

Executive Summary

  • Earnings: ROA of 1.74%, up 21 bps year over year; NIM at 4.71%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.01%.
  • Funding: loans stand at 135.33% of deposits as of Q4 2003.

Financial Results

Return on Assets (YTD, annualized)

1.74%+21 bps YoY

Net Interest Margin (YTD, annualized)

4.71%+9 bps YoY

Efficiency Ratio (YTD, annualized)

43.98%-56 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2002Q1 2003Q2 2003Q3 2003Q4 2003YoY ΔTrend
Earnings
Return on Assets1.53%1.63%1.78%1.72%1.74%+21 bps
Return on Equity15.82%16.67%17.81%16.92%16.71%+89 bps
Net Interest Margin4.62%4.61%4.53%4.67%4.71%+9 bps
Efficiency Ratio44.54%42.67%42.03%42.46%43.98%-56 bps
Non-Interest Burden1.87%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 / Loans0.00%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 / Loans1.88%1.89%1.94%2.00%2.07%+18 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital14.17%14.51%15.10%15.79%16.68%+251 bps
Equity / Assets9.65%9.85%10.47%10.66%11.40%+175 bps
Liquidity & Funding
Loans / Deposits125.83%125.20%126.25%128.21%135.33%+949 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a