Los Angeles, CA · Cert 21765
FDIC
Q1 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2004, the quarter ended March 31, 2004, 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 21765
FDIC
Q1 2004
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 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.45% | 1.35% | 1.36% | 1.16% | 1.15% | 1.16% | 1.18% | 1.11% | -5 bps | |
| Return on Equity | 12.45% | 11.91% | 12.19% | 10.65% | 10.66% | 10.94% | 11.35% | 11.76% | +111 bps | |
| Net Interest Margin | 3.96% | 3.60% | 3.50% | 3.52% | 3.47% | 3.41% | 3.28% | 3.53% | +1 bps | |
| Efficiency Ratio | 55.74% | 57.08% | 57.05% | 54.94% | 56.66% | 56.95% | 58.38% | 58.08% | +314 bps | |
| Non-Interest Burden | 1.54% | 1.52% | 1.46% | 1.41% | 1.48% | 1.45% | 1.43% | 1.67% | +27 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.95% | 15.86% | 18.69% | 22.55% | 20.92% | 11.55% | 21.33% | 32.87% | +1,033 bps | |
| Loan Growth (YoY) | 11.17% | 14.06% | 19.37% | 27.03% | 33.06% | 27.25% | 27.92% | 20.33% | -669 bps | |
| Deposit Growth (YoY) | -3.34% | 7.76% | 9.72% | 13.36% | 17.80% | 8.15% | 13.53% | 34.68% | +2,132 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 | 0.30% | 0.25% | 0.25% | 0.09% | 0.03% | 0.03% | 0.05% | -0.07% | -16 bps | |
| Allowance / Loans | 1.50% | 1.32% | 1.30% | 1.27% | 1.24% | 1.20% | 1.11% | 1.16% | -12 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 | 17.46% | 15.84% | 15.95% | 15.38% | 14.36% | 14.71% | 13.80% | 13.77% | -161 bps | |
| Equity / Assets | 11.64% | 10.37% | 10.77% | 11.00% | 10.56% | 10.23% | 9.74% | 9.09% | -191 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.23% | 84.26% | 89.76% | 96.24% | 95.14% | 99.14% | 101.13% | 85.99% | -1,025 bps | |
| Liquid Assets / Assets | 5.48% | 10.45% | 9.55% | 8.13% | 8.50% | 6.50% | 5.20% | 7.50% | -63 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |