San Mateo, CA · Cert 31698
FDIC
Q2 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2003, the quarter ended June 30, 2003, 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 31698
FDIC
Q2 2003
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 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.13% | -1.57% | 1.29% | 0.63% | 5.24% | 6.00% | -5.41% | -2.18% | -281 bps | |
| Return on Equity | n/a | n/a | 11.07% | 5.26% | 40.98% | 39.37% | -7.75% | -2.93% | -819 bps | |
| Net Interest Margin | 3.08% | 3.26% | 3.64% | 3.79% | 3.22% | 4.22% | 3.07% | 4.03% | +24 bps | |
| Efficiency Ratio | 146.45% | 135.94% | 70.11% | 82.95% | -94.26% | -67.17% | 178.78% | 129.85% | +4,689 bps | |
| Non-Interest Burden | 5.39% | 5.20% | 1.69% | 2.69% | -9.45% | -10.74% | 12.15% | 8.15% | +546 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -27.51% | -24.05% | -22.57% | -13.50% | -3.73% | -78.56% | -84.82% | -84.50% | -7,100 bps | |
| Loan Growth (YoY) | -27.99% | -19.72% | -17.86% | -10.74% | -70.57% | -87.47% | -90.88% | -88.86% | -7,813 bps | |
| Deposit Growth (YoY) | -12.38% | -13.48% | -15.18% | -12.76% | -10.73% | -93.12% | -100.00% | -99.98% | -8,722 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 | 4.51% | 3.89% | 1.36% | 1.62% | 5.64% | 10.34% | 0.00% | 0.00% | -162 bps | |
| Allowance / Loans | 1.99% | 2.03% | 1.87% | 1.63% | 0.00% | 0.00% | 0.00% | 0.00% | -163 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 | 10.41% | 10.18% | 10.67% | 11.32% | 24.69% | 71.24% | 99.80% | 92.84% | +8,152 bps | |
| Equity / Assets | 10.94% | 11.25% | 12.14% | 12.44% | 15.31% | 59.30% | 85.51% | 85.90% | +7,346 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 73.09% | 73.33% | 78.30% | 76.76% | 24.10% | 133.54% | n/a | 51922% | +5,184,564 bps | |
| Liquid Assets / Assets | 0.00% | 4.15% | 4.55% | 3.88% | 0.00% | 0.00% | 0.20% | 0.00% | -388 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |