Los Angeles, CA · Cert 17523
FDIC
Q2 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2013, the quarter ended June 30, 2013, 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.
Los Angeles, CA · Cert 17523
FDIC
Q2 2013
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 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.15% | 0.73% | 0.12% | 0.83% | 0.54% | 0.52% | -0.48% | 0.36% | -47 bps | |
| Return on Equity | 11.14% | 7.07% | 1.15% | 7.77% | 5.01% | 4.81% | -4.56% | 3.39% | -438 bps | |
| Net Interest Margin | 4.40% | 4.36% | 4.08% | 4.78% | 4.64% | 4.48% | 4.32% | 4.40% | -38 bps | |
| Efficiency Ratio | 77.88% | 85.14% | 97.88% | 84.78% | 92.36% | 95.32% | 100.93% | 90.08% | +531 bps | |
| Non-Interest Burden | 2.99% | 3.47% | 3.99% | 3.96% | 4.24% | 4.24% | 4.37% | 3.89% | -7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.00% | -1.12% | -0.71% | -2.12% | -0.66% | 2.31% | -3.47% | -1.55% | +58 bps | |
| Loan Growth (YoY) | -5.77% | -10.26% | -6.46% | -10.43% | -4.79% | 3.89% | 13.53% | 19.53% | +2,996 bps | |
| Deposit Growth (YoY) | 11.89% | 4.30% | 4.33% | -2.38% | -0.56% | 2.64% | -6.20% | -1.90% | +48 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 | -0.18% | 0.00% | -0.83% | -0.14% | -0.02% | 0.15% | -0.21% | -0.20% | -6 bps | |
| Allowance / Loans | 2.10% | 1.99% | 2.19% | 2.19% | 2.08% | 1.79% | 1.84% | 1.92% | -28 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 | 16.89% | 16.75% | 16.68% | 18.04% | 17.81% | 17.13% | 16.26% | 17.06% | -99 bps | |
| Equity / Assets | 10.99% | 10.67% | 10.22% | 11.18% | 11.13% | 10.64% | 10.58% | 10.66% | -51 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 75.79% | 74.47% | 71.19% | 70.83% | 72.57% | 75.37% | 86.16% | 86.31% | +1,548 bps | |
| Liquid Assets / Assets | 5.27% | 8.13% | 8.01% | 9.05% | 7.79% | 6.36% | 0.12% | 0.32% | -873 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |