San Francisco, CA · Cert 26907
FDIC
Q1 2005
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.86% | -0.54% | -1.05% | -0.27% | -0.16% | 1.23% | 0.68% | 0.15% | +42 bps | |
| Return on Equity | -22.82% | -4.99% | -10.35% | -2.70% | -1.60% | 11.84% | 6.35% | 1.40% | +410 bps | |
| Net Interest Margin | 3.28% | 2.63% | 2.76% | 3.39% | 3.53% | 3.88% | 4.19% | 3.92% | +53 bps | |
| Efficiency Ratio | 179.17% | 116.90% | 134.48% | 107.35% | 104.16% | 76.12% | 84.79% | 96.41% | -1,094 bps | |
| Non-Interest Burden | 6.25% | 3.22% | 3.78% | 3.65% | 3.69% | 2.63% | 3.51% | 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 |