Los Angeles, CA · Cert 18825
FDIC
Q2 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2001, the quarter ended June 30, 2001, 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 18825
FDIC
Q2 2001
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 1999 | Q4 1999 | Q1 2000 | Q2 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.09% | 1.05% | 1.32% | 1.49% | 1.55% | 1.42% | 1.46% | 1.24% | -25 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | 4.35% | 4.14% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 49.30% | 56.48% | n/a | |
| Non-Interest Burden | n/a | n/a | n/a | n/a | n/a | n/a | 1.95% | 2.19% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 18.81% | 19.44% | 17.36% | 14.67% | 2.52% | -3.14% | -5.31% | -10.03% | -2,470 bps | |
| Loan Growth (YoY) | 12.54% | 22.26% | 20.55% | 15.14% | 8.03% | -1.33% | -1.20% | -4.20% | -1,933 bps | |
| Deposit Growth (YoY) | 21.25% | 24.15% | 15.32% | 6.45% | -7.55% | -13.99% | -9.81% | -12.10% | -1,855 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 | n/a | n/a | n/a | n/a | n/a | n/a | -0.04% | -0.03% | n/a | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | 1.82% | 1.85% | n/a | |
| 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 | n/a | n/a | n/a | n/a | n/a | n/a | 10.93% | 11.14% | n/a | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | n/a | 10.41% | 10.73% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.23% | 95.99% | 101.58% | 109.38% | 107.77% | 110.11% | 111.28% | 119.22% | +984 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | 0.01% | +1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |