Los Angeles, CA · Cert 23011
FDIC
Q4 2009
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 | 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% | -1.56% | -0.42% | -0.71% | -0.32% | -9.12% | -6.27% | -5.25% | -454 bps | |
| Return on Equity | 10.80% | -14.82% | -4.03% | -7.07% | -3.36% | -110.57% | -81.10% | -71.22% | -6,415 bps | |
| Net Interest Margin | 5.00% | 4.49% | 4.34% | 4.14% | 2.74% | 2.69% | 2.89% | 2.83% | -131 bps | |
| Efficiency Ratio | 43.47% | 47.25% | 47.68% | 50.56% | 84.44% | 95.32% | 97.57% | 113.59% | +6,303 bps | |
| Non-Interest Burden | 1.75% | 1.84% | 1.83% | 1.89% | 2.27% | 2.55% | 2.81% | 3.24% | +135 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% | 4.16% | 1.97% | 2.36% | 0.12% | 10.05% | 7.50% | 6.16% | +380 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 |