Petaluma, CA · Cert 27064
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 | 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% | 1.20% | 1.24% | 1.16% | 0.58% | 0.66% | 0.65% | 0.73% | -43 bps | |
| Return on Equity | 23.27% | 21.28% | 20.99% | 19.23% | 8.56% | 9.82% | 9.74% | 11.01% | -822 bps | |
| Net Interest Margin | 3.94% | 3.80% | 3.79% | 3.79% | 3.23% | 3.14% | 3.01% | 3.24% | -55 bps | |
| Efficiency Ratio | 50.21% | 53.32% | 56.26% | 57.48% | 77.52% | 70.86% | 71.06% | 68.09% | +1,062 bps | |
| Non-Interest Burden | 1.84% | 1.90% | 2.00% | 2.05% | 2.44% | 2.13% | 2.05% | 2.10% | +5 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% | 0.00% | 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 |