Sacramento, CA · Cert 57642
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 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|
| Earnings | ||||||
| Return on Assets | -4.67% | -1.75% | -0.06% | 0.34% | n/a | |
| Return on Equity | n/a | -6.20% | -0.35% | 1.87% | n/a | |
| Net Interest Margin | 2.08% | 3.62% | 3.02% | 3.67% | n/a | |
| Efficiency Ratio | 291% | 144.44% | 75.56% | 78.89% | n/a | |
| Non-Interest Burden | 6.63% | 5.28% | 2.28% | 2.89% | 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 |