Los Angeles, CA · Cert 21673
FDIC
Q3 2011
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.41% | -1.03% | -1.30% | -1.54% | -1.61% | -4.20% | -5.94% | -5.15% | -362 bps | |
| Return on Equity | -1.84% | -4.35% | -4.37% | -2.89% | -2.57% | -6.64% | -9.35% | -6.67% | -378 bps | |
| Net Interest Margin | 0.40% | 0.37% | 0.45% | 0.46% | 0.39% | 0.39% | 0.37% | 0.26% | -20 bps | |
| Efficiency Ratio | 204% | 278% | 316% | 364% | 790% | 940% | 1458% | 1286% | +92,167 bps | |
| Non-Interest Burden | 1.35% | 1.77% | 2.35% | 2.79% | 4.33% | 4.70% | 7.02% | 5.49% | +270 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 | -0.14% | 0.00% | 0.00% | 4.11% | 0.00% | 0.00% | 0.00% | 947% | +94,326 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 |