Oakhurst, CA · Cert 35039
FDIC
Q4 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.13% | 1.09% | 1.09% | 0.73% | 0.79% | 1.61% | 0.08% | -5.51% | -623 bps | |
| Return on Equity | 14.04% | 13.99% | 14.20% | 9.37% | 10.15% | 20.74% | 1.02% | -84.41% | -9,378 bps | |
| Net Interest Margin | 4.54% | 4.38% | 4.52% | 4.51% | 4.44% | 4.80% | 4.50% | 4.56% | +5 bps | |
| Efficiency Ratio | 75.88% | 75.61% | 75.14% | 82.17% | 77.12% | 64.68% | 101.02% | 190.19% | +10,802 bps | |
| Non-Interest Burden | 3.24% | 3.12% | 3.22% | 3.60% | 3.30% | 2.87% | 4.55% | 9.13% | +553 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 23.62% | 21.52% | 19.39% | 21.22% | 15.54% | 16.48% | 15.95% | 22.16% | +94 bps | |
| Loan Growth (YoY) | 16.31% | 26.31% | 34.37% | 22.07% | 13.96% | 7.94% | 2.28% | 10.61% | -1,146 bps | |
| Deposit Growth (YoY) | 24.89% | 21.05% | 18.10% | 24.02% | 17.63% | 18.35% | 18.14% | 24.19% | +17 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% | 0.03% | 0.14% | 0.00% | 0.07% | +7 bps | |
| Allowance / Loans | 1.35% | 1.28% | 1.26% | 1.36% | 1.44% | 1.43% | 1.43% | 1.64% | +28 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 | 11.48% | 11.24% | 10.82% | 11.20% | 11.30% | 11.18% | 11.27% | 8.82% | -238 bps | |
| Equity / Assets | 7.99% | 7.65% | 7.77% | 7.75% | 7.88% | 7.61% | 7.51% | 5.62% | -213 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.67% | 81.38% | 86.18% | 80.59% | 79.11% | 74.22% | 74.61% | 71.77% | -881 bps | |
| Liquid Assets / Assets | 8.25% | 7.68% | 11.20% | 9.67% | 7.34% | 0.02% | 0.02% | 0.02% | -965 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |