Solvang, CA · Cert 33557
FDIC
Q3 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2001, the quarter ended September 30, 2001, 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.
Solvang, CA · Cert 33557
FDIC
Q3 2001
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 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.22% | 1.27% | 1.38% | 1.19% | 0.09% | -113 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | 5.05% | 4.83% | 4.87% | n/a | |
| Efficiency Ratio | n/a | n/a | 65.26% | 67.97% | 79.26% | n/a | |
| Non-Interest Burden | n/a | n/a | 2.76% | 2.74% | 3.47% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 10.99% | 15.48% | 13.03% | 21.32% | 11.54% | +55 bps | |
| Loan Growth (YoY) | 13.93% | 10.90% | 9.06% | 18.10% | 15.92% | +199 bps | |
| Deposit Growth (YoY) | 10.15% | 14.73% | 12.53% | 17.33% | 7.52% | -264 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | 0.00% | 0.00% | 0.01% | n/a | |
| Allowance / Loans | n/a | n/a | 1.13% | 1.17% | 2.28% | n/a | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | n/a | n/a | 10.45% | 10.58% | 9.87% | n/a | |
| Equity / Assets | n/a | n/a | 7.52% | 7.33% | 7.15% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 83.66% | 81.29% | 85.51% | 85.52% | 90.19% | +653 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 9.98% | 8.08% | 6.55% | +655 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |