Ontario, CA · Cert 23595
FDIC
Q3 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 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.19% | 2.52% | 2.28% | 0.08% | -0.21% | -18.16% | -15.68% | -17.12% | -1,720 bps | |
| Return on Equity | 29.58% | 21.26% | 20.18% | 0.78% | -2.01% | -219% | -209% | -261% | -26,157 bps | |
| Net Interest Margin | 5.98% | 4.93% | 5.00% | 4.70% | 4.38% | 2.71% | 2.30% | 2.29% | -241 bps | |
| Efficiency Ratio | 39.57% | 51.13% | 51.06% | 52.30% | 55.18% | 119.79% | 134.55% | 156.40% | +10,410 bps | |
| Non-Interest Burden | 2.29% | 2.39% | 2.43% | 2.35% | 2.31% | 3.34% | 3.21% | 3.79% | +144 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% | 0.33% | 0.53% | 1.79% | 12.07% | 10.98% | 16.18% | +1,564 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 |