Burbank, CA · Cert 25058
FDIC
Q1 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2002, the quarter ended March 31, 2002, 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.
Burbank, CA · Cert 25058
FDIC
Q1 2002
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 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.27% | 0.31% | 0.45% | 0.04% | -0.56% | -0.80% | -1.80% | -0.62% | -65 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | -7.76% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | 5.49% | 5.12% | 4.75% | 4.68% | 3.73% | -176 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 86.90% | 92.76% | 99.15% | 121.23% | 107.36% | +2,046 bps | |
| Non-Interest Burden | n/a | n/a | n/a | 4.52% | 4.63% | 4.70% | 5.92% | 4.12% | -40 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.55% | -6.12% | 0.89% | -2.09% | 5.17% | -1.69% | -2.56% | 8.40% | +1,050 bps | |
| Loan Growth (YoY) | 5.83% | -6.69% | -0.32% | -11.30% | -17.08% | -16.32% | -15.34% | -3.44% | +786 bps | |
| Deposit Growth (YoY) | 5.45% | -6.53% | -4.72% | 0.10% | 1.58% | -2.38% | -0.08% | 8.00% | +791 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 | n/a | n/a | n/a | 1.94% | 2.41% | 2.34% | 2.72% | 1.23% | -70 bps | |
| Allowance / Loans | n/a | n/a | n/a | 1.65% | 1.81% | 1.75% | 1.58% | 1.49% | -15 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 | n/a | n/a | n/a | 13.25% | 12.82% | 12.64% | 10.27% | 10.06% | -319 bps | |
| Equity / Assets | n/a | n/a | n/a | 10.24% | 9.12% | 9.45% | 8.45% | 7.47% | -276 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.29% | 87.69% | 94.07% | 80.21% | 69.62% | 75.16% | 79.70% | 71.71% | -850 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 1.00% | 0.89% | 0.93% | 0.93% | 0.80% | -20 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |