PackageTrendsPeer
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Five Star Bank Natomas

Sacramento, CA · Cert 57642

FDIC

Q4 2004

$60.1MAssets
$47.1MLoans
$48.5MDeposits
$11.6MEquity
Deposit mix
94%Interest-bearing $45.7M6%Noninterest $2.8MQ1 2004Q4 2004

NIM

2.48%Q1 ’043.92%Q3 ’044.82%Q4 ’04+45%+22%

Non-interest income vs. expense

6.93%Q1 ’042.29%Q3 ’042.91%Q4 ’04-66%+27%

Executive Summary

  • Earnings: ROA of 0.34%; NIM at 3.67%.
  • Asset quality: problem loans at 0.00% of loans, with net charge-offs at 0.00%.
  • Funding: loans stand at 97.03% of deposits as of Q4 2004.

Financial Results

Return on Assets (quarter, annualized)

0.34%

Net Interest Margin (quarter, annualized)

3.67%

Efficiency Ratio (quarter, annualized)

78.89%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ1 2004Q2 2004Q3 2004Q4 2004YoY ΔTrend
Earnings
Return on Assets-4.67%-1.75%-0.06%0.34%n/a
Return on Equityn/a-6.20%-0.35%1.87%n/a
Net Interest Margin2.08%3.62%3.02%3.67%n/a
Efficiency Ratio291%144.44%75.56%78.89%n/a
Non-Interest Burden6.63%5.28%2.28%2.89%n/a
Growth
Asset Growth (YoY)n/an/an/an/an/an/a
Loan Growth (YoY)n/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%n/a
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%n/a
Allowance / Loans0.44%0.52%0.76%0.79%n/a
Allowance Coverage of NPLsn/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/a
Total Risk-Based Capital72.31%36.80%24.52%20.85%n/a
Equity / Assets47.12%20.09%17.14%19.25%n/a
Liquidity & Funding
Loans / Deposits109.67%55.74%66.19%97.03%n/a
Liquid Assets / Assets0.00%0.00%4.44%0.00%n/a
CRE / Total Capitaln/an/an/an/an/an/a