Ontario, CA · Cert 23595
FDIC
Q3 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -4.03% | -1.06% | -18.16% | -13.23% | -19.74% | -1,571 bps | |
| Return on Equity | -41.45% | -11.18% | -219% | -210% | -418% | -37,689 bps | |
| Net Interest Margin | 4.17% | 3.73% | 2.71% | 2.00% | 1.99% | -219 bps | |
| Efficiency Ratio | 55.23% | 65.56% | 119.79% | 154.73% | 208% | +15,257 bps | |
| Non-Interest Burden | 2.20% | 2.35% | 3.34% | 3.21% | 4.55% | +235 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 13.05% | 9.13% | 4.10% | -2.83% | -14.23% | -2,728 bps | |
| Loan Growth (YoY) | 8.48% | 7.32% | -1.57% | -1.48% | -13.22% | -2,170 bps | |
| Deposit Growth (YoY) | 17.68% | 13.58% | 9.54% | 2.17% | -12.91% | -3,059 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.98% | 5.54% | 12.07% | 9.94% | 25.20% | +2,422 bps | |
| Allowance / Loans | 2.73% | 2.15% | 4.69% | 5.84% | 4.60% | +187 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 | 11.14% | 11.80% | 8.90% | 7.88% | 5.00% | -614 bps | |
| Equity / Assets | 9.12% | 9.84% | 6.74% | 5.87% | 3.44% | -568 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 102.80% | 104.73% | 96.78% | 96.24% | 102.44% | -37 bps | |
| Liquid Assets / Assets | 1.49% | 1.54% | 1.62% | 2.82% | 2.19% | +70 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |