El Segundo, CA · Cert 25832
FDIC
Q1 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2007, the quarter ended March 31, 2007, 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.
El Segundo, CA · Cert 25832
FDIC
Q1 2007
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 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.65% | 0.65% | 0.64% | 0.62% | 0.64% | 0.59% | 0.60% | 0.91% | +29 bps | |
| Return on Equity | 8.08% | 8.20% | 7.89% | 7.94% | 8.20% | 7.60% | 7.65% | 10.58% | +264 bps | |
| Net Interest Margin | 3.97% | 3.83% | 3.91% | 3.78% | 3.65% | 3.91% | 3.97% | 3.97% | +19 bps | |
| Efficiency Ratio | 80.23% | 76.82% | 76.14% | 74.37% | 74.79% | 74.88% | 74.83% | 70.05% | -432 bps | |
| Non-Interest Burden | 3.14% | 2.87% | 2.90% | 2.71% | 2.65% | 2.85% | 2.89% | 2.58% | -13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.72% | 13.10% | 11.86% | 13.10% | 6.48% | -1.46% | -5.40% | -17.95% | -3,105 bps | |
| Loan Growth (YoY) | 6.97% | 12.35% | 9.86% | 4.45% | 12.08% | 2.48% | 4.72% | 2.78% | -167 bps | |
| Deposit Growth (YoY) | 17.72% | 14.46% | 5.30% | 5.47% | 0.91% | -3.42% | 4.12% | -10.35% | -1,582 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 | 0.28% | 0.16% | 0.15% | 0.00% | 0.00% | 0.13% | 0.10% | -0.01% | -1 bps | |
| Allowance / Loans | 0.96% | 0.98% | 0.97% | 0.97% | 0.95% | 0.90% | 0.90% | 0.92% | -6 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 | 10.41% | 10.33% | 13.64% | 11.85% | 11.96% | 12.00% | 12.04% | 12.74% | +89 bps | |
| Equity / Assets | 8.13% | 7.68% | 8.71% | 7.06% | 7.67% | 7.87% | 8.25% | 9.07% | +200 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 70.53% | 78.37% | 81.89% | 73.44% | 78.34% | 83.16% | 82.36% | 84.19% | +1,076 bps | |
| Liquid Assets / Assets | 0.80% | 0.75% | 0.74% | 0.69% | 0.75% | 0.76% | 0.38% | 0.28% | -41 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |