Montebello, CA · Cert 17433
FDIC
Q2 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2008, the quarter ended June 30, 2008, 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.
Montebello, CA · Cert 17433
FDIC
Q2 2008
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 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.99% | 0.92% | 0.90% | 0.80% | 0.72% | 0.30% | 0.43% | 0.39% | -41 bps | |
| Return on Equity | 14.96% | 13.73% | 12.53% | 10.85% | 9.65% | 4.05% | 2.81% | 2.20% | -865 bps | |
| Net Interest Margin | 3.51% | 3.53% | 3.42% | 3.52% | 3.47% | 3.44% | 2.07% | 2.67% | -85 bps | |
| Efficiency Ratio | 66.49% | 68.60% | 71.79% | 74.35% | 76.50% | 80.06% | 76.58% | 82.91% | +856 bps | |
| Non-Interest Burden | 1.91% | 2.06% | 2.04% | 2.29% | 2.39% | 2.54% | 1.50% | 2.13% | -16 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.38% | 5.94% | 5.55% | -4.83% | -5.16% | -6.81% | 13.12% | 12.01% | +1,684 bps | |
| Loan Growth (YoY) | 6.43% | 2.58% | 2.04% | 1.17% | 7.78% | 10.15% | 13.96% | 4.61% | +344 bps | |
| Deposit Growth (YoY) | 12.91% | 4.97% | 4.73% | -5.88% | -6.39% | -7.67% | -4.28% | -6.51% | -63 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 | 0.01% | 0.06% | -0.01% | 0.07% | 0.04% | 0.29% | 0.00% | 0.26% | +20 bps | |
| Allowance / Loans | 1.16% | 1.09% | 1.06% | 1.01% | 0.99% | 1.78% | 1.68% | 1.67% | +66 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 | 12.95% | 13.08% | 13.34% | 13.61% | 13.46% | 13.32% | 11.99% | 12.77% | -84 bps | |
| Equity / Assets | 6.64% | 6.98% | 7.35% | 7.82% | 7.72% | 7.81% | 21.35% | 22.39% | +1,457 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 45.11% | 47.04% | 49.45% | 52.59% | 51.94% | 56.12% | 58.87% | 58.85% | +625 bps | |
| Liquid Assets / Assets | 38.99% | 41.67% | 41.43% | 40.96% | 34.57% | 30.28% | 0.92% | 0.29% | -4,067 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |