Sacramento, CA · Cert 57642
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.
Sacramento, CA · Cert 57642
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 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|
| Earnings | ||||||
| Return on Assets | -4.67% | -1.64% | -0.95% | -0.71% | n/a | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | 2.08% | 2.59% | 1.75% | 2.24% | n/a | |
| Efficiency Ratio | 291% | 191.97% | 126.80% | 107.49% | n/a | |
| Non-Interest Burden | 6.63% | 5.13% | 2.23% | 2.41% | n/a | |
| Growth | ||||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a |
| Asset Quality | ||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | n/a | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | n/a | |
| Allowance / Loans | 0.44% | 0.52% | 0.76% | 0.79% | n/a | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 72.31% | 36.80% | 24.52% | 20.85% | n/a | |
| Equity / Assets | 47.12% | 20.09% | 17.14% | 19.25% | n/a | |
| Liquidity & Funding | ||||||
| Loans / Deposits | 109.67% | 55.74% | 66.19% | 97.03% | n/a | |
| Liquid Assets / Assets | 0.00% | 0.00% | 4.44% | 0.00% | n/a | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a |