PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Pasadena National Trust Company

Pasadena, CA · Cert 27545

FDIC

Q1 2004

$1.8MAssets
n/aLoans
n/aDeposits
$1.6MEquity

Executive Summary

  • Earnings: ROA of -14.04%, down 1,493 bps year over year; NIM at 0.90%.

Return on Assets (quarter, annualized)

-14.04%-1,493 bps YoY

Net Interest Margin (quarter, annualized)

0.90%-65 bps YoY

Efficiency Ratio (quarter, annualized)

171.26%+7,343 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

2.70%Q1 ’021.55%Q1 ’030.90%Q1 ’04-42%-42%

Non-interest income vs. expense

46.37%Q1 ’0250.17%Q1 ’0333.58%Q1 ’04-61%+3250%

Discrete quarter, annualized.

MetricQ2 2002Q3 2002Q4 2002Q1 2003Q2 2003Q3 2003Q4 2003Q1 2004YoY ΔTrend
Earnings
Return on Assets12.67%3.57%5.59%0.89%1.56%-7.51%-15.02%-14.04%-1,493 bps
Return on Equity13.17%3.69%5.69%0.90%1.58%-7.71%-15.65%-15.05%-1,595 bps
Net Interest Margin2.70%2.23%1.98%1.55%1.51%1.29%1.08%0.90%-65 bps
Efficiency Ratio67.98%86.98%85.47%97.84%95.74%116.96%148.55%171.26%+7,343 bps
Non-Interest Burden-11.94%-3.35%-3.74%0.44%-0.65%9.46%15.53%14.87%+1,443 bps
Growth
Asset Growth (YoY)9.15%7.49%1.07%3.23%0.11%2.02%-2.34%-0.50%-373 bps
Loan Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital112.06%116.49%113.40%115.13%118.19%123.57%131.69%250%+13,441 bps
Equity / Assets95.89%98.03%98.55%99.05%98.67%96.15%95.78%90.79%-826 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/an/an/an/a
Liquid Assets / Assets87.74%89.21%89.25%85.75%88.53%87.67%94.24%95.12%+936 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a