Alhambra, CA · Cert 26615
FDIC
Q2 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2011, the quarter ended June 30, 2011, 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.
Alhambra, CA · Cert 26615
FDIC
Q2 2011
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 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.17% | -1.64% | -1.81% | -2.63% | -1.85% | -1.98% | 1.55% | 0.82% | +346 bps | |
| Return on Equity | -2.23% | -21.66% | -26.34% | -40.12% | -28.50% | -30.93% | 24.51% | 12.54% | +5,266 bps | |
| Net Interest Margin | 2.94% | 2.90% | 3.32% | 3.16% | 3.40% | 3.61% | 3.58% | 3.61% | +45 bps | |
| Efficiency Ratio | 82.29% | 88.64% | 131.74% | 121.35% | 108.91% | 107.18% | 61.62% | 76.43% | -4,493 bps | |
| Non-Interest Burden | 2.43% | 2.59% | 4.40% | 3.85% | 3.71% | 3.88% | 1.97% | 2.73% | -111 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.76% | -7.27% | -7.48% | -5.51% | -8.25% | -10.79% | -18.23% | -19.53% | -1,402 bps | |
| Loan Growth (YoY) | -4.82% | -13.41% | -13.85% | -13.54% | -14.59% | -10.91% | -14.53% | -13.45% | +9 bps | |
| Deposit Growth (YoY) | -5.18% | -10.93% | -3.56% | 2.93% | -1.50% | -5.60% | -18.16% | -22.91% | -2,584 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 | 1.22% | 1.39% | 0.00% | 2.45% | 1.77% | 1.77% | 1.39% | 1.03% | -142 bps | |
| Allowance / Loans | 1.67% | 3.23% | 3.53% | 3.51% | 3.81% | 4.18% | 4.10% | 4.08% | +57 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 | 11.56% | 10.12% | 9.84% | 9.00% | 9.48% | 8.96% | 9.85% | 10.02% | +102 bps | |
| Equity / Assets | 8.44% | 7.19% | 6.55% | 5.95% | 6.26% | 5.98% | 6.68% | 7.09% | +114 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 109.04% | 104.28% | 94.50% | 91.38% | 94.54% | 98.41% | 98.69% | 102.60% | +1,122 bps | |
| Liquid Assets / Assets | 1.93% | 11.94% | 17.08% | 16.48% | 16.88% | 15.25% | 16.07% | 13.66% | -282 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |