Vacaville, CA · Cert 35511
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 | -0.37% | -0.49% | 0.28%1 | 0.07% | 0.06% | 0.36% | 0.74% | 1.01% | +94 bps | |
| Return on Equity | -3.35% | -4.84% | 2.98% | 0.81% | 0.76% | 4.32% | 8.79% | 11.38% | +1,056 bps | |
| Net Interest Margin | 4.39% | 4.12% | 4.56% | 4.60% | 4.56% | 4.64% | 4.92% | 5.04% | +44 bps | |
| Efficiency Ratio | 107.25% | 111.57% | 92.95% | 89.71% | 90.47% | 81.62% | 73.39% | 63.16% | -2,655 bps | |
| Non-Interest Burden | 4.75% | 4.67% | 4.18% | 4.05% | 4.06% | 3.66% | 3.42% | 2.92% | -113 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 |