Sonora, CA · Cert 34310
FDIC
Q1 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2002, the quarter ended March 31, 2002, 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.
Sonora, CA · Cert 34310
FDIC
Q1 2002
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 | Q2 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.21% | 0.27% | 0.22% | 0.76% | 0.89% | 0.88% | 1.17% | -3.27% | -403 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | -47.22% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | 4.92% | 4.49% | 4.14% | 3.86% | 4.13% | -79 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 81.88% | 82.25% | 82.47% | 87.43% | 212% | +13,047 bps | |
| Non-Interest Burden | n/a | n/a | n/a | 3.84% | 3.54% | 3.27% | 3.27% | 9.56% | +572 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 82.84% | 42.23% | 31.04% | -20.78% | 34.68% | 43.83% | 54.95% | 20.70% | +4,148 bps | |
| Loan Growth (YoY) | 70.46% | 39.67% | 29.48% | 32.40% | 39.44% | 37.72% | 34.38% | 26.08% | -633 bps | |
| Deposit Growth (YoY) | 100.25% | 47.90% | 34.46% | -22.89% | 37.73% | 47.52% | 59.18% | 22.90% | +4,579 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 | n/a | n/a | n/a | 0.00% | -0.15% | -0.09% | -0.07% | 0.00% | 0 bps | |
| Allowance / Loans | n/a | n/a | n/a | 1.22% | 1.28% | 1.30% | 1.39% | 1.37% | +15 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 | n/a | n/a | n/a | 12.76% | 12.09% | 11.39% | 11.20% | 10.16% | -260 bps | |
| Equity / Assets | n/a | n/a | n/a | 8.28% | 7.84% | 7.33% | 6.89% | 6.96% | -133 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 72.64% | 76.60% | 75.06% | 73.36% | 73.55% | 71.51% | 63.36% | 75.26% | +190 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 8.65% | 8.91% | 7.48% | 7.47% | 8.34% | -31 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |