Santa Clarita, CA · Cert 27091
FDIC
Q3 2002
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 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.16% | 1.07% | 1.14% | 1.18% | 1.21% | 1.06% | 1.18% | 1.09% | -9 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 14.07% | 15.60% | 14.14% | n/a | |
| Net Interest Margin | n/a | 4.12% | 4.16% | 3.99% | 3.87% | 4.21% | 4.32% | 4.27% | +28 bps | |
| Efficiency Ratio | n/a | 60.93% | 59.76% | 58.75% | 58.23% | 58.82% | 57.39% | 59.33% | +57 bps | |
| Non-Interest Burden | n/a | 2.07% | 1.99% | 1.85% | 1.76% | 1.98% | 1.96% | 2.03% | +18 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.75% | 11.00% | 7.04% | 14.21% | 12.67% | 13.33% | 18.28% | 8.23% | -598 bps | |
| Loan Growth (YoY) | 10.35% | 16.41% | 19.57% | 18.80% | 16.63% | 13.77% | 11.49% | 7.19% | -1,161 bps | |
| Deposit Growth (YoY) | 13.00% | 13.04% | 6.36% | 15.28% | 9.35% | 7.55% | 15.11% | 2.13% | -1,315 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 | n/a | 0.40% | 0.27% | 0.23% | 0.22% | -0.09% | -0.01% | -0.01% | -24 bps | |
| Allowance / Loans | n/a | 1.41% | 1.39% | 1.38% | 1.39% | 1.52% | 1.58% | 1.70% | +32 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 | n/a | 11.74% | 11.10% | 11.06% | 11.16% | 11.40% | 11.59% | 12.17% | +111 bps | |
| Equity / Assets | n/a | 7.69% | 7.73% | 7.30% | 7.54% | 7.56% | 7.64% | 8.08% | +78 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 67.49% | 68.93% | 72.85% | 68.48% | 71.98% | 72.91% | 70.57% | 71.87% | +339 bps | |
| Liquid Assets / Assets | 0.00% | 19.68% | 16.46% | 15.07% | 22.51% | 20.27% | 19.78% | 18.98% | +390 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |