Fremont, CA · Cert 34912
FDIC
Q4 2002
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.35% | 0.36%1 | 0.24% | 0.19% | 0.17% | 0.38%1 | 0.37% | 0.24%1 | +5 bps | |
| Return on Equity | n/a | 4.26% | 2.84% | 2.22% | 1.91% | 4.07% | 4.27% | 2.83% | +61 bps | |
| Net Interest Margin | 5.00% | 4.49% | 4.04% | 3.37% | 3.72% | 4.04% | 3.89% | 3.75% | +38 bps | |
| Efficiency Ratio | 82.79% | 86.27% | 86.88% | 84.03% | 84.36% | 81.76% | 80.65% | 90.58% | +654 bps | |
| Non-Interest Burden | 4.10% | 3.85% | 3.49% | 2.80% | 3.14% | 3.30% | 3.13% | 3.41% | +61 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 19.44% | 27.27% | 47.63% | 41.41% | 18.75% | 6.55% | 11.07% | 1.45% | -3,996 bps | |
| Loan Growth (YoY) | 59.20% | 38.91% | 40.45% | 28.11% | 15.62% | 10.52% | 11.45% | 8.83% | -1,928 bps | |
| Deposit Growth (YoY) | 16.86% | 21.05% | 47.94% | 41.78% | 17.85% | 12.63% | 12.13% | 1.02% | -4,076 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 | 0.00% | 0.00% | 0.00% | 0.00% | 1.55% | 0.00% | 0.00% | -0.01% | -1 bps | |
| Allowance / Loans | 1.44% | 1.49% | 1.44% | 1.48% | 1.25% | 1.47% | 1.48% | 1.52% | +4 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 | 10.51% | 11.06% | 11.82% | 11.56% | 11.57% | 11.97% | 11.06% | 11.26% | -30 bps | |
| Equity / Assets | 8.43% | 8.37% | 8.62% | 8.55% | 8.99% | 9.56% | 7.97% | 8.75% | +20 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 74.98% | 78.55% | 67.84% | 70.68% | 73.56% | 77.07% | 67.43% | 76.15% | +547 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |