Buena Park, CA · Cert 21352
FDIC
Q1 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2013, the quarter ended March 31, 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.
Buena Park, CA · Cert 21352
FDIC
Q1 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 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.33% | 0.33% | 0.31% | 0.43% | 0.20% | 0.24% | 0.41% | 0.40% | -3 bps | |
| Return on Equity | 2.44% | 2.40% | 2.25% | 3.01% | 1.38% | 1.67% | 2.88% | 2.70% | -30 bps | |
| Net Interest Margin | 3.75% | 3.57% | 3.59% | 2.94% | 2.77% | 2.68% | 2.72% | 3.07% | +13 bps | |
| Efficiency Ratio | 68.29% | 72.23% | 71.47% | 77.86% | 80.65% | 82.09% | 80.65% | 84.10% | +624 bps | |
| Non-Interest Burden | 2.41% | 2.50% | 2.49% | 2.23% | 2.18% | 2.16% | 2.15% | 2.56% | +33 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.43% | -6.16% | -4.47% | -3.97% | -2.65% | 2.10% | -0.31% | 0.88% | +485 bps | |
| Loan Growth (YoY) | -22.90% | -22.43% | -2.33% | -16.74% | -0.32% | 6.13% | -9.14% | 13.20% | +2,994 bps | |
| Deposit Growth (YoY) | -4.56% | -4.01% | -4.86% | -3.79% | -2.74% | 2.84% | -0.12% | 0.51% | +430 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 | 1.49% | 1.05% | 0.64% | 0.00% | 0.00% | 0.00% | 0.66% | 0.00% | 0 bps | |
| Allowance / Loans | 3.03% | 3.23% | 2.81% | 3.48% | 3.43% | 3.42% | 2.59% | 2.62% | -87 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 | 20.60% | 22.28% | 23.42% | 24.12% | 23.57% | 24.41% | 24.65% | 25.12% | +100 bps | |
| Equity / Assets | 13.62% | 14.13% | 14.29% | 14.54% | 14.21% | 14.03% | 14.73% | 14.79% | +25 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 70.51% | 69.17% | 85.81% | 69.72% | 72.27% | 71.39% | 78.06% | 78.53% | +881 bps | |
| Liquid Assets / Assets | 12.67% | 17.05% | 12.29% | 13.28% | 11.07% | 13.14% | 11.22% | 12.63% | -65 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |