Petaluma, CA · Cert 27064
FDIC
Q4 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.24% | 1.13% | 1.32% | 0.96% | 0.58% | 0.74% | 0.62% | 0.99% | +4 bps | |
| Return on Equity | 23.27% | 19.86% | 20.29% | 14.18% | 8.56% | 11.09% | 9.48% | 14.87% | +69 bps | |
| Net Interest Margin | 3.94% | 3.59% | 3.42% | 3.37% | 3.23% | 3.11% | 3.08% | 3.74% | +37 bps | |
| Efficiency Ratio | 50.21% | 56.77% | 62.99% | 61.67% | 77.52% | 64.17% | 71.43% | 60.77% | -89 bps | |
| Non-Interest Burden | 1.84% | 1.92% | 2.04% | 1.97% | 2.44% | 1.88% | 2.11% | 2.13% | +17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 77.82% | 36.57% | 10.84% | -5.31% | -10.84% | 5.45% | 2.56% | 3.18% | +849 bps | |
| Loan Growth (YoY) | 4.02% | 0.22% | -0.77% | 0.12% | 4.40% | 44.05% | 36.69% | 35.58% | +3,546 bps | |
| Deposit Growth (YoY) | 30.85% | 25.99% | 21.48% | 4.81% | 9.61% | 5.44% | 1.80% | 13.31% | +850 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% | 0.01% | 0.01% | -0.01% | 0.00% | 0.00% | 0.00% | -1 bps | |
| Allowance / Loans | 2.71% | 2.77% | 2.65% | 2.50% | 2.59% | 1.90% | 1.91% | 1.85% | -65 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 | 13.57% | 14.63% | 15.31% | 15.17% | 15.56% | 12.88% | 13.16% | 13.11% | -206 bps | |
| Equity / Assets | 5.16% | 6.28% | 6.78% | 6.70% | 6.89% | 6.45% | 6.73% | 6.61% | -9 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 52.30% | 49.69% | 51.48% | 57.01% | 49.81% | 67.89% | 69.12% | 68.21% | +1,120 bps | |
| Liquid Assets / Assets | 0.02% | 0.08% | 0.14% | 0.12% | 0.20% | 0.12% | 0.07% | 0.04% | -7 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |