Santa Rosa, CA · Cert 33212
FDIC
Q4 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.51% | 0.52% | 0.64% | 0.58% | 0.27% | 0.91% | 0.87% | 0.63% | +5 bps | |
| Return on Equity | 5.75% | 5.88% | 7.31% | 6.65% | 3.35% | 11.83% | 11.57% | 8.68% | +203 bps | |
| Net Interest Margin | 5.28% | 4.86% | 4.83% | 4.99% | 4.98% | 4.75% | 4.66% | 4.28% | -71 bps | |
| Efficiency Ratio | 82.00% | 78.07% | 74.33% | 78.19% | 88.12% | 66.20% | 65.03% | 70.68% | -751 bps | |
| Non-Interest Burden | 4.22% | 3.68% | 3.45% | 3.80% | 4.34% | 3.01% | 2.88% | 2.92% | -88 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.33% | 4.38% | 5.21% | 10.83% | 33.61% | 22.69% | 34.90% | 25.35% | +1,452 bps | |
| Loan Growth (YoY) | -10.54% | -10.19% | -5.19% | 4.79% | 27.45% | 30.48% | 26.30% | 22.02% | +1,723 bps | |
| Deposit Growth (YoY) | -7.32% | 4.01% | 4.78% | 3.26% | 22.57% | 21.45% | 37.65% | 36.38% | +3,312 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 | 0.08% | 0.00% | 0.00% | 0.39% | 0.01% | -0.07% | -0.13% | -0.49% | -88 bps | |
| Allowance / Loans | 1.28% | 1.41% | 1.49% | 1.40% | 1.18% | 1.28% | 1.43% | 1.65% | +25 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 | 11.92% | 11.90% | 12.01% | 11.90% | 10.13% | 10.52% | 10.69% | 10.77% | -114 bps | |
| Equity / Assets | 9.11% | 8.72% | 8.89% | 8.54% | 7.51% | 7.84% | 7.18% | 7.39% | -115 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.81% | 80.47% | 80.47% | 84.79% | 93.38% | 86.46% | 73.83% | 75.86% | -893 bps | |
| Liquid Assets / Assets | 2.22% | 2.92% | 2.86% | 3.01% | 2.35% | 2.10% | 2.12% | 1.90% | -111 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |