Rosemead, CA · Cert 24308
FDIC
Q2 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2005, the quarter ended June 30, 2005, 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.
Rosemead, CA · Cert 24308
FDIC
Q2 2005
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 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.15% | 0.17%1 | 0.88% | 0.93% | 0.95% | 1.03% | 0.92% | 1.10% | +16 bps | |
| Return on Equity | -1.53% | 1.80% | 9.26% | 10.18% | 10.41% | 11.30% | 10.57% | 12.33% | +215 bps | |
| Net Interest Margin | 4.13% | 4.05% | 4.10% | 3.98% | 3.86% | 3.91% | 4.06% | 3.98% | 0 bps | |
| Efficiency Ratio | 73.00% | 74.16% | 72.65% | 71.74% | 71.20% | 70.05% | 69.71% | 64.10% | -764 bps | |
| Non-Interest Burden | 2.72% | 2.73% | 2.76% | 2.63% | 2.53% | 2.51% | 2.62% | 2.32% | -31 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.03% | 4.17% | 12.75% | 9.66% | 6.43% | 9.98% | 12.14% | 9.01% | -65 bps | |
| Loan Growth (YoY) | 0.89% | -2.00% | 0.97% | 2.17% | 9.39% | 4.39% | 6.18% | 5.93% | +375 bps | |
| Deposit Growth (YoY) | 5.29% | 3.20% | 12.12% | 10.94% | 6.33% | 11.54% | 14.52% | 8.58% | -236 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 | 4.09% | 3.35% | -0.23% | -0.16% | -0.13% | -0.13% | -0.08% | -0.04% | +12 bps | |
| Allowance / Loans | 1.98% | 1.56% | 1.60% | 1.58% | 1.43% | 1.49% | 1.44% | 1.45% | -12 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 | 17.96% | 18.50% | 17.95% | 17.66% | 17.15% | 17.36% | 17.01% | 17.97% | +31 bps | |
| Equity / Assets | 8.81% | 9.61% | 9.34% | 8.62% | 8.99% | 8.98% | 8.44% | 9.27% | +65 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 53.63% | 57.74% | 54.41% | 53.30% | 55.17% | 54.04% | 50.45% | 52.00% | -130 bps | |
| Liquid Assets / Assets | 0.16% | 0.04% | 0.01% | 0.02% | 0.01% | 0.02% | 0.02% | 0.01% | -1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |