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Encino State Bank

Encino, CA · Cert 34476

FDIC

Q3 2004

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2004, the quarter ended September 30, 2004, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Encino State Bank

Encino, CA · Cert 34476

FDIC

Q3 2004

$189.1MAssets
$93.3MLoans
$179.5MDeposits
$9.3MEquity
Loan mix
51%RE $10.2M49%C&I $10.0M0%Consumer $0.0MQ3 2003Q3 2004
Deposit mix
63%Interest-bearing $112.3M37%Noninterest $67.2MQ3 2003Q3 2004

NIM

4.68%Q3 ’024.47%Q3 ’033.92%Q3 ’04+2%-11%

Non-interest income vs. expense

2.87%Q3 ’022.91%Q3 ’034.22%Q3 ’04+2%+53%

Executive Summary

  • Earnings: ROA of -1.02%, down 153 bps year over year; NIM at 3.26%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.02%.
  • Funding: loans stand at 51.99% of deposits as of Q3 2004.

Financial Results

Return on Assets (YTD, annualized)

-1.02%-153 bps YoY

Net Interest Margin (YTD, annualized)

3.26%-39 bps YoY

Efficiency Ratio (YTD, annualized)

117.74%+4,516 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2003Q4 2003Q1 2004Q2 2004Q3 2004YoY ΔTrend
Earnings
Return on Assets0.50%0.52%0.53%0.53%-1.02%-153 bps
Return on Equity7.83%8.15%8.83%8.96%-18.04%-2,588 bps
Net Interest Margin3.65%3.49%3.46%3.18%3.26%-39 bps
Efficiency Ratio72.58%73.26%74.97%73.54%117.74%+4,516 bps
Non-Interest Burden2.55%2.46%2.50%2.25%3.89%+135 bps
Growth
Asset Growth (YoY)20.63%22.71%21.00%21.95%16.11%-452 bps
Loan Growth (YoY)15.81%17.51%10.85%5.33%7.34%-847 bps
Deposit Growth (YoY)21.47%23.63%21.47%22.83%17.53%-394 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.02%0.02%+2 bps
Allowance / Loans0.93%0.76%0.76%0.78%0.83%-10 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 Capital10.81%10.77%10.85%10.87%9.37%-144 bps
Equity / Assets6.08%5.99%6.11%5.73%4.93%-115 bps
Liquidity & Funding
Loans / Deposits56.93%56.78%55.14%54.17%51.99%-494 bps
Liquid Assets / Assets0.06%0.06%0.06%0.05%0.05%-1 bps
CRE / Total Capitaln/an/an/an/an/an/an/a