Irvine, CA · Cert 26015
FDIC
Q3 2005
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 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.57% | 2.39% | 2.19% | 2.10% | 2.04% | 1.71% | 1.89% | 0.00% | -210 bps | |
| Return on Equity | 22.92% | 21.53% | 19.53% | 18.77% | 18.14% | 15.06% | 16.44% | 0.00% | -1,877 bps | |
| Net Interest Margin | 4.88% | 4.90% | 4.72% | 4.51% | 4.30% | 4.17% | 4.22% | 0.00% | -451 bps | |
| Efficiency Ratio | 49.97% | 51.74% | 53.14% | 53.52% | 53.20% | 58.15% | 53.81% | n/a | n/a | |
| Non-Interest Burden | 2.25% | 2.53% | 2.51% | 2.41% | 2.29% | 2.42% | 2.27% | 0.00% | -241 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.58% | 2.84% | 3.26% | 7.32% | 2.87% | 5.54% | 5.35% | 13.10% | +579 bps | |
| Loan Growth (YoY) | 7.84% | 5.06% | 9.43% | 8.42% | 4.40% | 8.56% | 5.02% | 1.45% | -697 bps | |
| Deposit Growth (YoY) | 6.82% | 2.71% | 3.26% | 7.98% | 2.61% | 5.60% | 5.05% | -0.73% | -870 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% | 0.00% | -0.05% | -0.03% | -0.02% | 0.00% | 0.00% | 0.00% | +3 bps | |
| Allowance / Loans | 1.05% | 1.04% | 1.03% | 1.00% | 0.98% | 0.97% | 0.97% | 0.99% | -1 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 | 15.23% | 15.87% | 15.55% | 15.52% | 14.01% | 14.27% | 14.61% | 16.35% | +83 bps | |
| Equity / Assets | 10.90% | 11.33% | 11.46% | 11.15% | 11.27% | 11.44% | 11.81% | 21.99% | +1,084 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.59% | 90.44% | 93.86% | 91.28% | 93.18% | 92.97% | 93.83% | 93.28% | +201 bps | |
| Liquid Assets / Assets | 9.13% | 11.67% | 11.37% | 11.62% | 11.13% | 9.96% | 8.43% | 2.97% | -865 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |