Los Angeles, CA · Cert 23083
FDIC
Q3 2003
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 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.48% | -0.39% | -0.75% | -0.14% | -0.08% | 0.93% | 0.96% | 0.99% | +113 bps | |
| Return on Equity | n/a | -4.45% | -8.79% | -1.62% | -0.89% | 10.65% | 10.72% | 10.90% | +1,252 bps | |
| Net Interest Margin | 4.03% | 4.11% | 3.99% | 4.00% | 3.96% | 3.31% | 3.19% | 3.22% | -78 bps | |
| Efficiency Ratio | 35.33% | 37.22% | 36.29% | 36.59% | 38.67% | 45.31% | 42.35% | 43.01% | +642 bps | |
| Non-Interest Burden | 1.17% | 1.65% | 1.42% | 1.39% | 1.50% | 1.35% | 1.19% | 1.22% | -16 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 21.40% | 24.70% | 20.44% | 11.68% | 6.43% | -0.01% | -5.01% | -1.53% | -1,320 bps | |
| Loan Growth (YoY) | 19.01% | 16.49% | 8.97% | 7.84% | 5.93% | 6.45% | 3.28% | -1.56% | -941 bps | |
| Deposit Growth (YoY) | 8.98% | 16.83% | 12.39% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 1.41% | 2.10% | 9.09% | 6.49% | 6.21% | 0.80% | 0.80% | 0.71% | -578 bps | |
| Allowance / Loans | 2.10% | 3.05% | 2.38% | 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 | 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 | 12.63% | 12.60% | 12.25% | 12.56% | 12.62% | 12.70% | 14.17% | 14.75% | +219 bps | |
| Equity / Assets | 9.21% | 8.29% | 8.17% | 8.90% | 8.68% | 8.82% | 9.31% | 9.41% | +50 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 61.44% | 60.18% | 60.61% | 65.19% | 62.54% | 65.42% | 65.40% | 62.42% | -277 bps | |
| Liquid Assets / Assets | 0.00% | 0.01% | 0.01% | 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 | n/a | n/a | n/a |