Burbank, CA · Cert 25058
FDIC
Q1 2002
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | -1.15% | -1.24% | -4.90% | -0.62% | -65 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | -11.87% | -13.37% | -54.72% | -7.76% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 5.49% | 4.73% | 4.25% | 4.02% | 3.73% | -176 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 86.90% | 99.87% | 116.37% | 207% | 107.36% | +2,046 bps | |
| Non-Interest Burden | n/a | n/a | n/a | 4.52% | 4.72% | 5.05% | 9.17% | 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% | 2.73% | 2.15% | 4.05% | 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 |