Inglewood, CA · Cert 18835
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.
Inglewood, CA · Cert 18835
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 | 1.04% | 1.35% | 1.07% | 1.12% | 1.18% | 0.61% | 0.92% | 0.54% | -57 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 | 5.12% | 4.76% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 85.17% | 83.06% | n/a | |
| Non-Interest Burden | n/a | n/a | n/a | n/a | n/a | n/a | 3.66% | 3.48% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.56% | 10.51% | 8.63% | 7.45% | 15.45% | 10.18% | 24.45% | 21.09% | +1,364 bps | |
| Loan Growth (YoY) | 10.51% | 6.26% | 9.31% | 9.79% | 11.88% | 15.39% | 10.19% | 4.02% | -577 bps | |
| Deposit Growth (YoY) | 1.05% | 6.11% | 4.76% | 9.12% | 15.36% | 13.29% | 27.78% | 22.30% | +1,318 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 | 0.83% | 0.67% | n/a | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 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 | 11.88% | 11.91% | n/a | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 64.68% | 60.78% | 61.62% | 61.93% | 62.72% | 61.90% | 53.14% | 52.67% | -925 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |