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Mt. Diablo National Bank

Danville, CA · Cert 33760

FDIC

Q4 2003

$519.8MAssets
$178.0MLoans
$380.6MDeposits
$38.4MEquity
Loan mix
41%RE $27.5M58%C&I $38.6M1%Consumer $0.7MQ4 2002Q4 2003
Deposit mix
90%Interest-bearing $343.5M10%Noninterest $37.0MQ4 2002Q4 2003

NIM

5.69%Q4 ’015.05%Q4 ’023.76%Q4 ’03-5%-21%

Non-interest income vs. expense

2.44%Q4 ’012.32%Q4 ’022.15%Q4 ’03-19%-4%

Executive Summary

  • Earnings: ROA of 0.71%, down 41 bps year over year; NIM at 2.73%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.09%.
  • Funding: loans stand at 46.76% of deposits as of Q4 2003.

Financial Results

Return on Assets (YTD, annualized)

0.71%-41 bps YoY

Net Interest Margin (YTD, annualized)

2.73%-72 bps YoY

Efficiency Ratio (YTD, annualized)

68.34%+1,002 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2002Q1 2003Q2 2003Q3 2003Q4 2003YoY ΔTrend
Earnings
Return on Assets1.12%0.55%0.65%0.65%0.71%-41 bps
Return on Equity17.07%7.34%8.98%9.19%9.90%-716 bps
Net Interest Margin3.46%2.99%2.58%2.51%2.73%-72 bps
Efficiency Ratio58.32%76.70%72.36%70.86%68.34%+1,002 bps
Non-Interest Burden1.80%2.19%1.75%1.66%1.74%-6 bps
Growth
Asset Growth (YoY)-4.02%-9.60%11.33%6.98%3.29%+730 bps
Loan Growth (YoY)-4.58%-1.18%-11.42%-7.27%-5.30%-72 bps
Deposit Growth (YoY)13.70%13.25%27.58%11.48%6.85%-685 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.02%0.35%0.20%0.12%0.09%+7 bps
Allowance / Loans2.58%2.52%2.68%2.72%2.64%+6 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 Capital15.04%15.12%15.29%14.97%15.31%+27 bps
Equity / Assets7.45%7.50%6.86%6.68%7.39%-6 bps
Liquidity & Funding
Loans / Deposits52.76%49.37%40.06%41.62%46.76%-600 bps
Liquid Assets / Assets0.13%0.00%0.22%0.16%0.08%-4 bps
CRE / Total Capitaln/an/an/an/an/an/an/a