San Mateo, CA · Cert 27093
FDIC
Q3 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2002, the quarter ended September 30, 2002, 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 Mateo, CA · Cert 27093
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 | -0.95% | -0.67% | -1.04% | -1.25% | -1.40% | -1.99% | -1.84% | -4.69% | -344 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | -18.04% | -15.92% | -33.06% | n/a | |
| Net Interest Margin | n/a | 2.01% | 2.15% | 2.18% | 2.42% | 1.32% | 0.98% | 0.94% | -124 bps | |
| Efficiency Ratio | n/a | 135.02% | 153.36% | 163.52% | 168.64% | 328% | 208% | 268% | +10,447 bps | |
| Non-Interest Burden | n/a | 2.72% | 3.30% | 3.59% | 4.11% | 4.34% | 3.46% | 4.99% | +141 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.27% | -16.90% | -26.67% | -32.34% | -40.68% | -35.82% | -38.76% | -91.83% | -5,950 bps | |
| Loan Growth (YoY) | -11.74% | -19.69% | -19.20% | -16.26% | -37.93% | -37.37% | -88.37% | -89.29% | -7,302 bps | |
| Deposit Growth (YoY) | 8.61% | -14.90% | -28.05% | -34.65% | -44.44% | -37.40% | -41.06% | -100.00% | -6,535 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 | 0.00% | 0.00% | 0.00% | 0.00% | 7.46% | 21.42% | 16.89% | +1,689 bps | |
| Allowance / Loans | n/a | 2.79% | 3.00% | 3.31% | 4.56% | 2.76% | 15.24% | 18.03% | +1,471 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 | 12.01% | 12.06% | 12.29% | 14.09% | 14.34% | 28.77% | 43.14% | +3,084 bps | |
| Equity / Assets | n/a | 8.59% | 9.48% | 10.25% | 11.17% | 10.90% | 12.95% | 90.40% | +8,015 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 53.33% | 57.19% | 62.60% | 65.52% | 59.58% | 57.22% | 12.35% | n/a | n/a | |
| Liquid Assets / Assets | 0.00% | 0.40% | 0.47% | 0.52% | 0.10% | 0.10% | 0.13% | 0.00% | -52 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |