Anaheim, CA · Cert 25653
FDIC
Q2 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2008, the quarter ended June 30, 2008, 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.
Anaheim, CA · Cert 25653
FDIC
Q2 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 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.19% | -1.16% | -17.38% | -12.98% | -9.17% | -8.31% | -9.85% | -6.38% | +661 bps | |
| Return on Equity | 9.36% | -9.45% | -216% | -180.58% | -130.68% | -121.27% | -186.45% | -129.47% | +5,111 bps | |
| Net Interest Margin | 4.50% | 4.60% | 2.21% | 2.61% | 2.56% | 2.58% | -0.03% | -0.16% | -277 bps | |
| Efficiency Ratio | 57.15% | 113.64% | 65.29% | 76.57% | 59.85% | 64.49% | n/a | n/a | n/a | |
| Non-Interest Burden | 2.40% | 4.94% | 1.46% | 2.01% | 1.14% | 1.34% | 5.89% | 4.11% | +210 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 16.57% | 12.61% | 2.57% | -16.30% | -30.77% | -39.91% | -54.14% | -46.62% | -3,032 bps | |
| Loan Growth (YoY) | 18.30% | 10.75% | -11.04% | -44.57% | -64.52% | -70.42% | -74.17% | -67.96% | -2,339 bps | |
| Deposit Growth (YoY) | 13.07% | 16.71% | 15.17% | 1.64% | -16.71% | -30.04% | -47.41% | -46.13% | -4,776 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% | 1.50% | 2.28% | 1.86% | 1.95% | 1.82% | 0.00% | 0.00% | -186 bps | |
| Allowance / Loans | 1.58% | 0.54% | 0.00% | 0.00% | 0.01% | 0.00% | 0.00% | 0.01% | 0 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 | 11.77% | 9.21% | 5.24% | 5.19% | 10.46% | 10.08% | 7.11% | 7.89% | +270 bps | |
| Equity / Assets | 12.75% | 10.41% | 5.79% | 5.06% | 6.30% | 5.86% | 4.55% | 4.06% | -100 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 121.67% | 111.78% | 99.49% | 66.91% | 51.83% | 47.26% | 48.86% | 39.79% | -2,712 bps | |
| Liquid Assets / Assets | 2.42% | 4.51% | 3.71% | 3.30% | 25.63% | 21.69% | 5.82% | 34.57% | +3,127 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |