PackageTrendsPeer
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First Regional Bank

Los Angeles, CA · Cert 23011

FDIC

Q4 2009

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2009, the quarter ended December 31, 2009, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

First Regional Bank

Los Angeles, CA · Cert 23011

FDIC

Q4 2009

$2.1BAssets
$1.9BLoans
$1.7BDeposits
$120.3MEquity
Loan mix
82%RE $1.1B18%C&I $0.2B0%Consumer $0.0BQ4 2008Q4 2009
Deposit mix
74%Interest-bearing $1.2B26%Noninterest $0.4BQ4 2008Q4 2009

NIM

8.03%Q4 ’076.17%Q4 ’084.47%Q4 ’09-23%-32%

Non-interest income vs. expense

2.61%Q4 ’072.30%Q4 ’083.42%Q4 ’09-17%+71%

Executive Summary

  • Earnings: ROA of -5.25%, down 454 bps year over year; NIM at 2.83%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 6.16%.
  • Funding: loans stand at 116.80% of deposits as of Q4 2009.

Financial Results

Return on Assets (YTD, annualized)

-5.25%-454 bps YoY

Net Interest Margin (YTD, annualized)

2.83%-131 bps YoY

Efficiency Ratio (YTD, annualized)

113.59%+6,303 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2008Q1 2009Q2 2009Q3 2009Q4 2009YoY ΔTrend
Earnings
Return on Assets-0.71%-0.32%-9.12%-6.27%-5.25%-454 bps
Return on Equity-7.07%-3.36%-110.57%-81.10%-71.22%-6,415 bps
Net Interest Margin4.14%2.74%2.69%2.89%2.83%-131 bps
Efficiency Ratio50.56%84.44%95.32%97.57%113.59%+6,303 bps
Non-Interest Burden1.89%2.27%2.55%2.81%3.24%+135 bps
Growth
Asset Growth (YoY)13.31%6.87%-7.15%-9.46%-15.33%-2,864 bps
Loan Growth (YoY)13.56%4.67%-7.03%-13.59%-16.70%-3,026 bps
Deposit Growth (YoY)23.59%29.21%0.43%-9.94%-22.62%-4,621 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans2.36%0.12%10.05%7.50%6.16%+380 bps
Allowance / Loans2.63%2.94%2.84%2.89%3.42%+79 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital10.34%11.13%7.15%7.46%7.09%-325 bps
Equity / Assets9.12%9.68%5.77%6.01%5.78%-334 bps
Liquidity & Funding
Loans / Deposits108.50%104.85%107.40%107.58%116.80%+830 bps
Liquid Assets / Assets0.08%0.08%0.61%0.66%0.72%+64 bps
CRE / Total Capitaln/an/an/an/an/an/an/a