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 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.50% | 2.52% | 2.07% | -4.03% | -1.06% | -18.16% | -13.23% | -19.74% | -1,571 bps | |
| Return on Equity | 20.31% | 21.26% | 19.40% | -41.45% | -11.18% | -219% | -210% | -418% | -37,689 bps | |
| Net Interest Margin | 5.98% | 4.93% | 5.31% | 4.17% | 3.73% | 2.71% | 2.00% | 1.99% | -219 bps | |
| Efficiency Ratio | 48.05% | 51.13% | 50.99% | 55.23% | 65.56% | 119.79% | 154.73% | 208% | +15,257 bps | |
| Non-Interest Burden | 2.79% | 2.39% | 2.60% | 2.20% | 2.35% | 3.34% | 3.21% | 4.55% | +235 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.61% | -0.69% | 2.87% | 13.05% | 9.13% | 4.10% | -2.83% | -14.23% | -2,728 bps | |
| Loan Growth (YoY) | 10.11% | 6.98% | 5.58% | 8.48% | 7.32% | -1.57% | -1.48% | -13.22% | -2,170 bps | |
| Deposit Growth (YoY) | 1.16% | -2.31% | 2.78% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.66% | 0.98% | 5.54% | 12.07% | 9.94% | 25.20% | +2,422 bps | |
| Allowance / Loans | 1.36% | 1.32% | 1.32% | 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 | 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 | 15.08% | 13.41% | 12.63% | 11.14% | 11.80% | 8.90% | 7.88% | 5.00% | -614 bps | |
| Equity / Assets | 12.62% | 11.07% | 10.34% | 9.12% | 9.84% | 6.74% | 5.87% | 3.44% | -568 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 110.84% | 107.71% | 99.80% | 102.80% | 104.73% | 96.78% | 96.24% | 102.44% | -37 bps | |
| Liquid Assets / Assets | 1.74% | 1.70% | 1.53% | 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 | n/a | n/a | n/a |