Vacaville, CA · Cert 35511
FDIC
Q4 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2004, the quarter ended December 31, 2004, 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.
Vacaville, CA · Cert 35511
FDIC
Q4 2004
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 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.37% | -0.43% | -0.18% | -0.11% | 0.06% | 0.22% | 0.41% | 0.58% | +69 bps | |
| Return on Equity | -3.35% | -4.09% | -1.75% | -1.11% | 0.76% | 2.64% | 4.84% | 6.62% | +774 bps | |
| Net Interest Margin | 4.39% | 4.02% | 4.09% | 4.05% | 4.56% | 4.41% | 4.39% | 4.30% | +25 bps | |
| Efficiency Ratio | 107.25% | 109.50% | 103.14% | 99.31% | 90.47% | 85.78% | 81.14% | 75.89% | -2,342 bps | |
| Non-Interest Burden | 4.75% | 4.46% | 4.24% | 4.02% | 4.06% | 3.69% | 3.45% | 3.11% | -90 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 41.28% | 38.22% | 38.83% | 27.12% | 42.36% | 39.30% | 35.21% | 39.97% | +1,285 bps | |
| Loan Growth (YoY) | 42.93% | 49.61% | 49.49% | 50.11% | 63.88% | 68.70% | 50.91% | 45.45% | -466 bps | |
| Deposit Growth (YoY) | 49.06% | 44.89% | 45.55% | 31.10% | 46.06% | 41.46% | 36.49% | 39.33% | +823 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% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.00% | 0.99% | 0.92% | 0.94% | 0.94% | 0.93% | 0.97% | 1.03% | +9 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 | 13.94% | 12.72% | 11.86% | 10.70% | 10.40% | 10.15% | 10.05% | 10.90% | +19 bps | |
| Equity / Assets | 10.40% | 9.70% | 9.10% | 8.90% | 8.21% | 8.48% | 8.39% | 9.42% | +52 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 72.03% | 74.79% | 80.15% | 87.92% | 80.82% | 89.19% | 88.62% | 91.77% | +386 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 |