PackageTrendsPeer
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Hacienda Bank

Santa Maria, CA · Cert 27166

FDIC

Q1 2004

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2004, the quarter ended March 31, 2004, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Hacienda Bank

Santa Maria, CA · Cert 27166

FDIC

Q1 2004

$88.8MAssets
$56.7MLoans
$75.5MDeposits
$12.9MEquity
Loan mix
28%RE $3.7M71%C&I $9.5M1%Consumer $0.1MQ1 2003Q1 2004
Deposit mix
79%Interest-bearing $59.5M21%Noninterest $16.1MQ1 2003Q1 2004

NIM

7.09%Q1 ’026.49%Q1 ’034.71%Q1 ’04-6%-21%

Non-interest income vs. expense

6.65%Q1 ’026.12%Q1 ’033.98%Q1 ’04-12%-30%

Executive Summary

  • Earnings: ROA of 0.54%, down 2 bps year over year; NIM at 4.28%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.15%.
  • Funding: loans stand at 75.02% of deposits as of Q1 2004.

Financial Results

Return on Assets (YTD, annualized)

0.54%-2 bps YoY

Net Interest Margin (YTD, annualized)

4.28%-112 bps YoY

Efficiency Ratio (YTD, annualized)

71.85%-1,790 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2003Q2 2003Q3 2003Q4 2003Q1 2004YoY ΔTrend
Earnings
Return on Assets0.56%0.46%0.42%0.14%0.54%-2 bps
Return on Equity6.74%5.77%5.34%1.50%3.81%-294 bps
Net Interest Margin5.41%4.87%4.61%0.69%4.28%-112 bps
Efficiency Ratio89.75%90.84%90.76%78.54%71.85%-1,790 bps
Non-Interest Burden4.71%4.30%4.07%0.51%3.31%-140 bps
Growth
Asset Growth (YoY)15.57%20.55%17.50%37.83%23.35%+778 bps
Loan Growth (YoY)11.28%7.22%1.70%0.70%4.83%-645 bps
Deposit Growth (YoY)16.14%21.80%18.58%29.87%14.25%-189 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.18%0.16%0.12%0.00%0.15%-3 bps
Allowance / Loans1.03%1.08%1.15%1.20%1.08%+6 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital10.66%10.77%11.11%10.58%10.37%-28 bps
Equity / Assets8.05%7.34%7.48%13.62%14.54%+649 bps
Liquidity & Funding
Loans / Deposits81.76%70.33%69.93%63.97%75.02%-674 bps
Liquid Assets / Assets0.14%0.13%0.13%0.15%0.16%+2 bps
CRE / Total Capitaln/an/an/an/an/an/an/a