Los Angeles, CA · Cert 23083
FDIC
Q3 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.07% | 0.11% | 0.93% | 0.98% | 1.05% | -2 bps | |
| Return on Equity | 12.58% | 1.23% | 10.65% | 10.79% | 11.27% | -131 bps | |
| Net Interest Margin | 3.73% | 3.84% | 3.31% | 3.04% | 3.21% | -53 bps | |
| Efficiency Ratio | 37.22% | 45.63% | 45.31% | 39.14% | 44.34% | +713 bps | |
| Non-Interest Burden | 1.21% | 1.83% | 1.35% | 1.01% | 1.26% | +5 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 11.68% | 6.43% | -0.01% | -5.01% | -1.53% | -1,320 bps | |
| Loan Growth (YoY) | 7.84% | 5.93% | 6.45% | 3.28% | -1.56% | -941 bps | |
| Deposit Growth (YoY) | 5.36% | 4.07% | -2.07% | -4.29% | 2.81% | -255 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 1.78% | 5.15% | 0.80% | 0.76% | 0.51% | -127 bps | |
| Allowance / Loans | 2.29% | 2.14% | 2.03% | 2.18% | 2.27% | -2 bps | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 12.56% | 12.62% | 12.70% | 14.17% | 14.75% | +219 bps | |
| Equity / Assets | 8.90% | 8.68% | 8.82% | 9.31% | 9.41% | +50 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 65.19% | 62.54% | 65.42% | 65.40% | 62.42% | -277 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.01% | 0.02% | 0.01% | +1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |