Danville, CA · Cert 33760
FDIC
Q4 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2003, the quarter ended December 31, 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.
Danville, CA · Cert 33760
FDIC
Q4 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 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.99% | 1.05% | 1.24% | 1.12% | 0.55% | 0.65% | 0.65% | 0.71% | -41 bps | |
| Return on Equity | 17.25% | 17.15% | 19.42% | 17.07% | 7.34% | 8.98% | 9.19% | 9.90% | -716 bps | |
| Net Interest Margin | 3.82% | 3.72% | 3.65% | 3.46% | 2.99% | 2.58% | 2.51% | 2.73% | -72 bps | |
| Efficiency Ratio | 54.25% | 56.02% | 55.82% | 58.32% | 76.70% | 72.36% | 70.86% | 68.34% | +1,002 bps | |
| Non-Interest Burden | 1.90% | 1.94% | 1.79% | 1.80% | 2.19% | 1.75% | 1.66% | 1.74% | -6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 61.71% | 19.06% | 13.70% | -4.02% | -9.60% | 11.33% | 6.98% | 3.29% | +730 bps | |
| Loan Growth (YoY) | -0.43% | 4.77% | -3.49% | -4.58% | -1.18% | -11.42% | -7.27% | -5.30% | -72 bps | |
| Deposit Growth (YoY) | 23.10% | 20.78% | 30.04% | 13.70% | 13.25% | 27.58% | 11.48% | 6.85% | -685 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% | -0.04% | -0.02% | 0.02% | 0.35% | 0.20% | 0.12% | 0.09% | +7 bps | |
| Allowance / Loans | 2.88% | 2.78% | 2.69% | 2.58% | 2.52% | 2.68% | 2.72% | 2.64% | +6 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 | 13.00% | 13.60% | 14.56% | 15.04% | 15.12% | 15.29% | 14.97% | 15.31% | +27 bps | |
| Equity / Assets | 5.89% | 6.93% | 7.08% | 7.45% | 7.50% | 6.86% | 6.68% | 7.39% | -6 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 56.58% | 57.70% | 50.04% | 52.76% | 49.37% | 40.06% | 41.62% | 46.76% | -600 bps | |
| Liquid Assets / Assets | 0.00% | 0.16% | 0.31% | 0.13% | 0.00% | 0.22% | 0.16% | 0.08% | -4 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |