PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Kaweah National Bank

Visalia, CA · Cert 33341

FDIC

Q2 2003

$91.5MAssets
$73.1MLoans
$81.9MDeposits
$7.3MEquity
Loan mix
53%RE $11.1M46%C&I $9.6M1%Consumer $0.3MQ2 2002Q2 2003
Deposit mix
75%Interest-bearing $61.5M25%Noninterest $20.4MQ2 2002Q2 2003

NIM

8.09%Q2 ’017.35%Q2 ’026.80%Q2 ’03+12%-4%

Non-interest income vs. expense

4.60%Q2 ’015.25%Q2 ’025.41%Q2 ’03+11%+2%

Executive Summary

  • Earnings: ROA of 0.90%, down 21 bps year over year; NIM at 5.78%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.02%.
  • Funding: loans stand at 89.28% of deposits as of Q2 2003.

Financial Results

Return on Assets (quarter, annualized)

0.90%-21 bps YoY

Net Interest Margin (quarter, annualized)

5.78%-23 bps YoY

Efficiency Ratio (quarter, annualized)

78.23%+392 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ2 2002Q3 2002Q4 2002Q1 2003Q2 2003YoY ΔTrend
Earnings
Return on Assets1.10%1.49%1.22%1.05%0.90%-21 bps
Return on Equity14.61%19.55%15.70%13.42%11.41%-320 bps
Net Interest Margin6.01%6.38%6.18%5.86%5.78%-23 bps
Efficiency Ratio74.31%67.61%72.11%75.25%78.23%+392 bps
Non-Interest Burden4.19%3.88%4.09%4.07%4.27%+8 bps
Growth
Asset Growth (YoY)19.03%10.44%7.88%13.33%13.77%-526 bps
Loan Growth (YoY)24.05%18.86%11.47%16.83%14.35%-971 bps
Deposit Growth (YoY)12.72%2.91%6.25%11.96%17.59%+487 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.01%0.01%0.09%0.08%0.02%+1 bps
Allowance / Loans0.98%0.97%0.99%0.98%1.00%+3 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital10.37%10.39%10.67%10.55%10.85%+49 bps
Equity / Assets7.68%7.61%7.92%7.77%7.93%+25 bps
Liquidity & Funding
Loans / Deposits91.82%93.15%93.40%89.29%89.28%-253 bps
Liquid Assets / Assets7.11%5.78%5.28%4.32%3.65%-346 bps
CRE / Total Capitaln/an/an/an/an/an/an/a