Los Angeles, CA · Cert 26170
FDIC
Q3 2006
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.31% | 2.52% | 2.94% | 3.24% | 3.39% | 3.76% | 3.72% | 4.19% | +95 bps | |
| Return on Equity | 2.36% | 2.55% | 2.99% | 3.31% | 3.47% | 3.85% | 3.81% | 4.32% | +101 bps | |
| Net Interest Margin | 1.79% | 2.26% | 3.07% | 3.32% | 3.98% | 4.35% | 4.81% | 5.01% | +169 bps | |
| Efficiency Ratio | 46.00% | 30.07% | 30.18% | 25.28% | 24.26% | 20.67% | 25.55% | 15.55% | -973 bps | |
| Non-Interest Burden | -0.88% | -1.62% | -1.46% | -1.68% | -1.25% | -1.45% | -0.92% | -1.47% | +20 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.75% | 0.99% | 1.36% | 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 | n/a | n/a | n/a |
| Deposit Growth (YoY) | n/a | n/a | n/a | 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 | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | 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 | n/a | n/a | n/a |
| 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 | 479% | 480% | 478% | 476% | 480% | 474% | 473% | 479% | +292 bps | |
| Equity / Assets | 98.92% | 98.59% | 98.21% | 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 | n/a | n/a | n/a |
| Liquid Assets / Assets | 97.51% | 97.53% | 97.37% | 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 | n/a | n/a | n/a |