Los Angeles, CA · Cert 23011
FDIC
Q4 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.22% | -4.18% | 1.77% | -1.57% | -0.32% | -18.12% | -0.14% | -1.90% | -33 bps | |
| Return on Equity | 10.80% | -41.51% | 18.91% | -16.67% | -3.36% | -232% | -2.31% | -32.25% | -1,558 bps | |
| Net Interest Margin | 5.00% | 4.27% | 4.16% | 3.55% | 2.74% | 2.54% | 2.77% | 2.55% | -99 bps | |
| Efficiency Ratio | 43.47% | 51.68% | 48.63% | 61.35% | 84.44% | 107.20% | 102.40% | 182.88% | +12,153 bps | |
| Non-Interest Burden | 1.75% | 2.04% | 1.86% | 2.06% | 2.27% | 2.75% | 2.84% | 4.43% | +237 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.50% | 19.65% | 14.54% | 13.31% | 6.87% | -7.15% | -9.46% | -15.33% | -2,864 bps | |
| Loan Growth (YoY) | 19.62% | 21.58% | 17.06% | 13.56% | 4.67% | -7.03% | -13.59% | -16.70% | -3,026 bps | |
| Deposit Growth (YoY) | 7.42% | 21.99% | 21.96% | 23.59% | 29.21% | 0.43% | -9.94% | -22.62% | -4,621 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 | 0.00% | 8.32% | -2.44% | 3.58% | 0.12% | 19.97% | 0.79% | 1.48% | -211 bps | |
| Allowance / Loans | 1.52% | 1.89% | 2.36% | 2.63% | 2.94% | 2.84% | 2.89% | 3.42% | +79 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 | 11.48% | 9.82% | 10.48% | 10.34% | 11.13% | 7.15% | 7.46% | 7.09% | -325 bps | |
| Equity / Assets | 11.13% | 9.06% | 9.68% | 9.12% | 9.68% | 5.77% | 6.01% | 5.78% | -334 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 129.44% | 116.02% | 112.12% | 108.50% | 104.85% | 107.40% | 107.58% | 116.80% | +830 bps | |
| Liquid Assets / Assets | 0.30% | 0.08% | 0.08% | 0.08% | 0.08% | 0.61% | 0.66% | 0.72% | +64 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |