Monrovia, CA · Cert 25144
FDIC
Q4 2004
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 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.87% | 0.88% | 0.84% | 0.76% | 0.68% | 0.73% | 0.80% | 0.36% | -40 bps | |
| Return on Equity | 11.06% | 10.55% | 9.92% | 8.71% | 7.30% | 7.92% | 8.78% | 3.87% | -484 bps | |
| Net Interest Margin | 4.61% | 4.60% | 4.02% | 4.15% | 3.99% | 3.80% | 3.91% | 3.93% | -22 bps | |
| Efficiency Ratio | 67.39% | 68.34% | 69.49% | 73.00% | 77.36% | 74.21% | 70.82% | 87.89% | +1,489 bps | |
| Non-Interest Burden | 2.92% | 2.96% | 2.64% | 2.88% | 2.97% | 2.70% | 2.63% | 3.40% | +52 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -13.86% | -10.24% | -18.00% | -24.48% | 15.03% | 9.58% | 7.91% | 10.11% | +3,459 bps | |
| Loan Growth (YoY) | 10.52% | -3.34% | -8.15% | -14.11% | -10.01% | -6.11% | 1.09% | 6.68% | +2,080 bps | |
| Deposit Growth (YoY) | -16.11% | -12.24% | -20.14% | -27.02% | 15.76% | 10.05% | 7.76% | 9.63% | +3,665 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 | -0.01% | -0.01% | -0.01% | -0.01% | 0.00% | 0.00% | 0.13% | 0.10% | +11 bps | |
| Allowance / Loans | 1.18% | 1.21% | 1.28% | 1.35% | 1.26% | 1.24% | 1.11% | 1.11% | -24 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 | 12.97% | 13.51% | 14.15% | 14.99% | 14.61% | 14.85% | 14.87% | 15.65% | +67 bps | |
| Equity / Assets | 9.55% | 9.31% | 9.05% | 9.59% | 8.95% | 9.06% | 9.07% | 9.85% | +25 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.38% | 75.25% | 67.63% | 68.29% | 63.26% | 64.21% | 63.44% | 66.45% | -184 bps | |
| Liquid Assets / Assets | 2.77% | 2.39% | 4.48% | 11.21% | 10.44% | 15.22% | 15.02% | 16.45% | +524 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |