Los Angeles, CA · Cert 17523
FDIC
Q2 2013
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.11% | -0.53% | 0.12% | 1.53% | -0.05% | 0.45%1 | -0.48% | 1.23% | -31 bps | |
| Return on Equity | -1.04% | -4.90% | 1.15% | 14.32% | -0.41% | 4.17% | -4.56% | 11.54% | -278 bps | |
| Net Interest Margin | 4.35% | 4.33% | 4.08% | 5.49% | 3.99% | 4.15% | 4.32% | 4.48% | -102 bps | |
| Efficiency Ratio | 101.98% | 112.64% | 97.88% | 75.29% | 110.69% | 105.15% | 100.93% | 80.33% | +504 bps | |
| Non-Interest Burden | 4.46% | 4.96% | 3.99% | 3.96% | 4.48% | 4.40% | 4.37% | 3.41% | -55 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 | -0.10% | 0.56% | -0.83% | 0.62% | 0.20% | 0.65% | -0.21% | -0.18% | -80 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 |