Los Angeles, CA · Cert 23406
FDIC
Q1 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2008, the quarter ended March 31, 2008, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Los Angeles, CA · Cert 23406
FDIC
Q1 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 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.25% | 1.22% | 1.22% | 1.09% | 1.00% | 0.25% | 0.39% | 0.57% | -52 bps | |
| Return on Equity | 12.38% | 11.98% | 11.90% | 10.50% | 9.61% | 2.01% | 2.76% | 3.72% | -678 bps | |
| Net Interest Margin | 3.40% | 3.39% | 3.31% | 3.13% | 3.19% | 0.97% | 1.43% | 2.90% | -23 bps | |
| Efficiency Ratio | 37.22% | 37.81% | 37.65% | 42.81% | 45.07% | 39.56% | 41.75% | 52.46% | +965 bps | |
| Non-Interest Burden | 1.20% | 1.21% | 1.17% | 1.30% | 1.40% | 0.49% | 0.74% | 1.85% | +55 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.06% | -3.61% | 4.84% | -0.43% | -4.42% | 10.60% | 7.18% | -2.17% | -175 bps | |
| Loan Growth (YoY) | -0.26% | 0.02% | 2.46% | 4.44% | 4.17% | 15.57% | 17.90% | 21.26% | +1,682 bps | |
| Deposit Growth (YoY) | 2.81% | -12.31% | 1.20% | -3.91% | -10.37% | -3.30% | -4.90% | -2.98% | +92 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% | 0.00% | -0.03% | 0.00% | 0.00% | 0.00% | 0.00% | 0.02% | +2 bps | |
| Allowance / Loans | 0.70% | 0.86% | 0.88% | 0.86% | 0.88% | 0.83% | 0.90% | 0.97% | +11 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% | 11.32% | 11.18% | 11.44% | 11.57% | 10.40% | 10.71% | 11.31% | -13 bps | |
| Equity / Assets | 9.81% | 10.74% | 10.27% | 10.44% | 10.45% | 19.12% | 18.82% | 11.20% | +76 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 35.23% | 36.95% | 36.48% | 37.63% | 40.95% | 44.16% | 45.22% | 47.04% | +940 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 1.20% | 1.15% | 1.22% | +121 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |