Roseville, CA · Cert 35124
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.
Roseville, CA · Cert 35124
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 | -1.45% | -0.75% | -0.05% | 1.07% | 1.14% | 1.00% | 1.05% | 2.38% | +131 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 22.84% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | 5.29% | 5.26% | 4.65% | 4.71% | 5.95% | +66 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 73.99% | 70.39% | 71.75% | 71.19% | 56.94% | -1,706 bps | |
| Non-Interest Burden | n/a | n/a | n/a | 3.46% | 3.01% | 2.83% | 2.82% | 3.03% | -43 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 540% | 381% | 110.05% | 85.96% | 18.11% | 24.05% | 40.69% | 257% | +17,054 bps | |
| Loan Growth (YoY) | 1045% | 943% | 152.39% | 195.21% | 88.58% | 48.08% | 82.47% | 303% | +10,740 bps | |
| Deposit Growth (YoY) | 1001% | 529% | 119.46% | 87.74% | 14.54% | 23.07% | 41.47% | 186.78% | +9,904 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 | -0.03% | 0.04% | 0.12% | 0.08% | 0.23% | +25 bps | |
| Allowance / Loans | n/a | n/a | n/a | 1.30% | 1.34% | 1.32% | 1.32% | 1.61% | +31 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 | 10.90% | 10.55% | 10.02% | 10.25% | 11.26% | +36 bps | |
| Equity / Assets | n/a | n/a | n/a | 9.52% | 8.49% | 7.62% | 8.29% | 11.23% | +171 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 55.45% | 71.25% | 79.34% | 93.34% | 91.29% | 85.73% | 102.33% | 131.04% | +3,770 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.21% | 0.01% | 0.01% | 0.01% | 0.00% | -20 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |