Calabasas, CA · Cert 26839
FDIC
Q4 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2010, the quarter ended December 31, 2010, 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.
Calabasas, CA · Cert 26839
FDIC
Q4 2010
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 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.04% | -0.08% | -0.09% | -0.05% | 0.08% | 0.10% | 0.03% | 0.04% | +9 bps | |
| Return on Equity | -0.22% | -0.44% | -0.51% | -0.27% | 0.36% | 0.47% | 0.10% | 0.15% | +42 bps | |
| Net Interest Margin | 0.14% | 0.15% | 0.13% | 0.14% | 0.14% | 0.16% | 0.26% | 0.43% | +28 bps | |
| Efficiency Ratio | 130.77% | 170.37% | 171.11% | 135.94% | 33.33% | 25.93% | 79.41% | 63.89% | -7,205 bps | |
| Non-Interest Burden | 0.20% | 0.28% | 0.25% | 0.21% | 0.03% | 0.00% | 0.19% | 0.22% | +1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 362% | 395% | 22.10% | -4.88% | -14.41% | -18.03% | -82.49% | -77.78% | -7,291 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) | 4367% | 2670% | 27.04% | -6.38% | -18.42% | -22.18% | -97.00% | -97.14% | -9,076 bps | |
| 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 | 83.21% | 71.78% | 62.11% | 81.58% | 98.18% | 88.96% | 417% | 437% | +35,570 bps | |
| Equity / Assets | 19.77% | 17.16% | 14.92% | 19.79% | 23.06% | 20.97% | 85.37% | 89.22% | +6,942 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Liquid Assets / Assets | 95.67% | 96.27% | 96.84% | 95.35% | 94.65% | 95.16% | 52.69% | 50.54% | -4,482 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |