Culver City, CA · Cert 23124
FDIC
Q4 2008
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 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.97% | 1.00% | 0.97% | 0.55% | 0.31% | -2.59% | -3.38% | -5.92% | -647 bps | |
| Return on Equity | 11.00% | 11.47% | 11.27% | 6.48% | 4.09% | -36.35% | -51.40% | -106.53% | -11,301 bps | |
| Net Interest Margin | 4.99% | 4.72% | 4.62% | 4.38% | 3.60% | 3.10% | 2.89% | 2.72% | -165 bps | |
| Efficiency Ratio | 58.62% | 58.27% | 58.45% | 58.36% | 68.07% | 71.38% | 77.68% | 104.59% | +4,623 bps | |
| Non-Interest Burden | 2.83% | 2.65% | 2.56% | 2.43% | 2.39% | 2.13% | 2.19% | 2.87% | +43 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 27.88% | 20.61% | 22.41% | 21.77% | 17.09% | 13.68% | 8.64% | 4.54% | -1,723 bps | |
| Loan Growth (YoY) | 29.00% | 33.46% | 26.37% | 27.23% | 21.92% | 9.87% | 8.31% | -0.78% | -2,801 bps | |
| Deposit Growth (YoY) | 37.41% | 24.01% | 19.06% | 20.01% | 12.01% | 12.71% | 1.87% | 10.53% | -948 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 | 0.04% | 0.04% | 0.23% | 0.50% | 0.77% | 5.74% | 4.61% | 5.99% | +550 bps | |
| Allowance / Loans | 1.32% | 1.34% | 1.31% | 1.69% | 1.63% | 2.00% | 2.17% | 3.08% | +139 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 | 11.07% | 10.68% | 10.69% | 10.16% | 10.00% | 8.43% | 7.01% | 3.11% | -705 bps | |
| Equity / Assets | 8.57% | 8.53% | 8.36% | 7.82% | 7.50% | 6.12% | 4.91% | 1.54% | -627 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 97.21% | 104.36% | 99.94% | 104.93% | 105.82% | 101.73% | 106.25% | 94.19% | -1,074 bps | |
| Liquid Assets / Assets | 10.71% | 10.35% | 10.34% | 10.07% | 10.32% | 10.69% | 14.07% | 12.01% | +195 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |