Los Angeles, CA · Cert 26170
FDIC
Q3 2006
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 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.90% | 3.03% | 3.76% | 3.73% | 3.89% | +98 bps | |
| Return on Equity | 2.95% | 3.08% | 3.85% | 3.83% | 3.99% | +104 bps | |
| Net Interest Margin | 2.86% | 3.11% | 4.35% | 4.56% | 4.67% | +182 bps | |
| Efficiency Ratio | 28.38% | 27.25% | 20.67% | 23.18% | 20.57% | -781 bps | |
| Non-Interest Burden | -1.57% | -1.47% | -1.45% | -1.18% | -1.27% | +30 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.06% | 4.77% | 4.35% | 4.66% | 5.04% | +299 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 476% | 480% | 474% | 473% | 479% | +292 bps | |
| Equity / Assets | 97.80% | 97.37% | 97.76% | 97.30% | 96.78% | -102 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquid Assets / Assets | 97.10% | 97.61% | 97.12% | 97.55% | 0.00% | -9,710 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |