Escondido, CA · Cert 32226
FDIC
Q1 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2002, the quarter ended March 31, 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.
Escondido, CA · Cert 32226
FDIC
Q1 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 | Q2 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.36% | 0.55% | -2.41% | 0.31% | 0.36% | 0.10% | 0.35% | 1.04% | +73 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 8.15% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | 4.55% | 4.63% | 0.67% | 1.79% | 4.48% | -7 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 80.48% | 79.90% | 67.84% | 66.44% | 61.96% | -1,852 bps | |
| Non-Interest Burden | n/a | n/a | n/a | 3.62% | 3.66% | 0.44% | 1.12% | 2.58% | -103 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.61% | -2.86% | 2.83% | 6.04% | 6.31% | 9.54% | 5.98% | 11.84% | +580 bps | |
| Loan Growth (YoY) | 2.08% | -9.85% | -4.23% | -4.44% | 1.29% | -16.78% | -13.24% | 7.54% | +1,198 bps | |
| Deposit Growth (YoY) | -14.48% | -13.01% | 5.79% | 9.44% | 9.83% | 14.60% | 4.05% | 1.41% | -803 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 | n/a | n/a | 0.30% | 0.14% | 0.00% | 0.13% | -0.01% | -30 bps | |
| Allowance / Loans | n/a | n/a | n/a | 1.11% | 1.16% | 1.37% | 1.27% | 1.05% | -5 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 | n/a | n/a | 14.16% | 14.19% | 14.91% | 15.19% | 14.10% | -6 bps | |
| Equity / Assets | n/a | n/a | n/a | 13.01% | 13.44% | 13.38% | 13.29% | 12.32% | -70 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.25% | 92.31% | 82.28% | 77.94% | 82.31% | 67.03% | 68.60% | 82.66% | +471 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 2.55% | 3.51% | 3.83% | 2.80% | 1.89% | -66 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |