Modesto, CA · Cert 34651
FDIC
Q3 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.39% | 1.21% | 1.29% | 1.36% | 1.31% | 1.18% | 1.36% | 1.58% | +22 bps | |
| Return on Equity | 16.33% | 15.04% | 16.49% | 18.35% | 18.64% | 16.92% | 19.08% | 21.90% | +354 bps | |
| Net Interest Margin | 4.25% | 4.04% | 4.24% | 4.26% | 3.91% | 3.70% | 3.86% | 4.07% | -19 bps | |
| Efficiency Ratio | 41.34% | 44.02% | 46.46% | 44.30% | 39.86% | 44.82% | 41.28% | 36.48% | -782 bps | |
| Non-Interest Burden | 1.60% | 1.60% | 1.82% | 1.74% | 1.41% | 1.51% | 1.43% | 1.31% | -43 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 30.15% | 22.67% | 34.33% | 35.55% | 34.19% | 34.68% | 28.97% | 18.87% | -1,669 bps | |
| Loan Growth (YoY) | 56.23% | 39.41% | 30.90% | 25.53% | 21.20% | 26.47% | 23.06% | 23.55% | -198 bps | |
| Deposit Growth (YoY) | 26.65% | 18.31% | 36.00% | 37.05% | 37.60% | 37.76% | 31.08% | 19.71% | -1,734 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 | 0.69% | -0.11% | -0.16% | -0.10% | -0.05% | 0.65% | 0.00% | 0.00% | +10 bps | |
| Allowance / Loans | 1.28% | 1.43% | 1.42% | 1.46% | 1.50% | 1.34% | 1.28% | 1.26% | -21 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 | 10.87% | 10.79% | 10.38% | 10.31% | 10.21% | 10.25% | 10.01% | 10.03% | -28 bps | |
| Equity / Assets | 8.11% | 7.99% | 7.67% | 7.21% | 6.90% | 7.09% | 7.16% | 7.31% | +9 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.77% | 79.73% | 80.90% | 74.94% | 72.03% | 73.19% | 75.94% | 77.35% | +240 bps | |
| Liquid Assets / Assets | 0.54% | 0.03% | 0.90% | 1.20% | 0.77% | 0.77% | 0.75% | 0.74% | -46 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |