Los Angeles, CA · Cert 21673
FDIC
Q3 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2011, the quarter ended September 30, 2011, 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 21673
FDIC
Q3 2011
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 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.37% | -1.03% | -1.23% | -1.27% | -1.28% | -4.20% | -5.06% | -5.24% | -398 bps | |
| Return on Equity | -1.90% | -4.35% | -4.35% | -3.87% | -3.55% | -6.64% | -7.98% | -7.55% | -368 bps | |
| Net Interest Margin | 0.70% | 0.37% | 0.48% | 0.74% | 0.77% | 0.39% | 0.38% | 0.40% | -34 bps | |
| Efficiency Ratio | 154.89% | 278% | 295% | 309% | 355% | 940% | 1193% | 1217% | +90,835 bps | |
| Non-Interest Burden | 1.41% | 1.77% | 2.38% | 3.84% | 4.56% | 4.70% | 5.86% | 6.66% | +282 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -33.74% | -21.81% | -61.65% | -68.24% | -59.79% | -66.30% | -31.19% | -40.75% | +2,750 bps | |
| Loan Growth (YoY) | -80.25% | -79.67% | -90.17% | -96.07% | -96.96% | -96.38% | -92.51% | -96.09% | -2 bps | |
| Deposit Growth (YoY) | -23.80% | -4.36% | -72.44% | -83.23% | -79.14% | -84.37% | -53.57% | -100.00% | -1,677 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 | -0.56% | 0.00% | 0.00% | 1.37% | 1.48% | 0.00% | 0.00% | 316% | +31,442 bps | |
| 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 | 403% | 696% | 695% | 2103% | 5102% | 5650% | 7317% | 25978% | +2,387,555 bps | |
| 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 | 10.80% | 6.65% | 8.90% | 2.23% | 1.57% | 1.54% | 1.44% | n/a | n/a | |
| 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 |