Eureka, CA · Cert 27582
FDIC
Q2 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.64% | 1.67% | 8.72% | 1.26% | 1.41% | 1.05% | 1.29% | 1.06% | -20 bps | |
| Return on Equity | 17.45% | 17.84% | 91.97% | 12.67% | 13.50% | 9.77% | 10.11% | 7.51% | -516 bps | |
| Net Interest Margin | 5.03% | 5.23% | 5.33% | 4.69% | 4.21% | 4.82% | 4.57% | 4.71% | +2 bps | |
| Efficiency Ratio | 68.01% | 63.57% | 23.58% | 60.24% | 60.44% | 66.63% | 66.05% | 59.64% | -60 bps | |
| Non-Interest Burden | 2.66% | 2.61% | -10.68% | 2.49% | 2.17% | 2.94% | 2.79% | 2.49% | 0 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 93.11% | 98.24% | 98.04% | 8.88% | 2.28% | 1.41% | 35.58% | 38.34% | +2,945 bps | |
| Loan Growth (YoY) | 167.83% | 149.82% | 144.72% | 7.20% | 0.62% | 0.63% | 34.78% | 38.94% | +3,173 bps | |
| Deposit Growth (YoY) | 93.87% | 97.19% | 99.27% | 8.60% | 3.78% | 0.99% | 31.54% | 34.92% | +2,632 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 | 0.01% | 0.56% | 0.12% | 0.08% | 0.20% | 0.09% | 0.05% | 0.16% | +7 bps | |
| Allowance / Loans | 1.53% | 1.53% | 1.59% | 1.59% | 1.59% | 1.59% | 1.60% | 1.69% | +11 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 | 11.05% | 11.14% | 12.18% | 12.06% | 12.58% | 12.75% | 12.42% | 12.29% | +24 bps | |
| Equity / Assets | 9.46% | 9.21% | 9.75% | 10.15% | 10.71% | 10.81% | 14.22% | 13.96% | +382 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.99% | 90.37% | 86.66% | 87.76% | 90.16% | 90.05% | 88.79% | 90.38% | +262 bps | |
| Liquid Assets / Assets | 0.03% | 0.02% | 0.02% | 0.01% | 0.00% | 0.00% | 0.21% | 0.00% | -1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |