San Francisco, CA · Cert 26907
FDIC
Q1 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2005, the quarter ended March 31, 2005, 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.
San Francisco, CA · Cert 26907
FDIC
Q1 2005
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 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.17% | -1.59% | -1.45% | -0.27% | -0.22% | 0.26% | 0.36% | 0.15% | +42 bps | |
| Return on Equity | -17.04% | -13.14% | -12.46% | -2.70% | -2.15% | 2.52% | 3.50% | 1.40% | +410 bps | |
| Net Interest Margin | 3.18% | 2.70% | 2.67% | 3.39% | 3.48% | 3.71% | 3.78% | 3.92% | +53 bps | |
| Efficiency Ratio | 163.57% | 146.69% | 143.77% | 107.35% | 105.71% | 93.83% | 91.51% | 96.41% | -1,094 bps | |
| Non-Interest Burden | 5.45% | 4.19% | 4.02% | 3.65% | 3.69% | 3.45% | 3.42% | 3.76% | +11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.39% | 12.69% | 17.77% | 26.04% | 4.90% | -2.98% | -7.03% | -6.34% | -3,238 bps | |
| Loan Growth (YoY) | -12.28% | 5.24% | 30.91% | 60.77% | 35.27% | 28.75% | 8.85% | -15.85% | -7,661 bps | |
| Deposit Growth (YoY) | 3.94% | 15.08% | 22.21% | 31.66% | 6.31% | -2.52% | -8.01% | -6.64% | -3,829 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.89% | 1.85% | 1.65% | 1.34% | 1.40% | 1.44% | 1.51% | 1.59% | +25 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 | 19.00% | 17.87% | 15.82% | 17.54% | 17.46% | 18.59% | 19.55% | 19.22% | +168 bps | |
| Equity / Assets | 11.34% | 10.38% | 9.85% | 9.94% | 10.17% | 10.63% | 10.88% | 10.37% | +43 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 66.21% | 62.38% | 67.57% | 84.21% | 84.25% | 82.39% | 79.96% | 75.90% | -831 bps | |
| Liquid Assets / Assets | 2.24% | 6.03% | 6.19% | 2.55% | 3.06% | 2.70% | 2.20% | 1.89% | -67 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |