Los Angeles, CA · Cert 27069
FDIC
Q4 2005
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 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.02% | 1.24% | 1.50% | 1.38% | -0.51% | -153 bps | |
| Return on Equity | 10.94% | 13.39% | 16.06% | 14.68% | -5.06% | -1,600 bps | |
| Net Interest Margin | 4.05% | 4.17% | 4.41% | 4.52% | 4.86% | +80 bps | |
| Efficiency Ratio | 65.02% | 53.32% | 47.78% | 50.00% | 66.00% | +98 bps | |
| Non-Interest Burden | 2.52% | 2.04% | 1.90% | 2.06% | 3.04% | +53 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 13.68% | 9.87% | 15.44% | 18.93% | -3.91% | -1,759 bps | |
| Loan Growth (YoY) | 16.32% | 24.39% | 22.40% | 16.59% | 4.75% | -1,158 bps | |
| Deposit Growth (YoY) | 14.25% | 10.87% | 17.84% | 27.62% | -3.46% | -1,772 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.01% | -0.03% | 0.00% | 0.02% | +3 bps | |
| Allowance / Loans | 1.04% | 1.04% | 1.04% | 1.06% | 1.54% | +50 bps | |
| 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 | 12.04% | 12.29% | 12.18% | 12.47% | 13.99% | +196 bps | |
| Equity / Assets | 9.28% | 9.18% | 9.46% | 9.39% | 10.88% | +160 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 91.22% | 89.64% | 92.16% | 88.57% | 98.97% | +776 bps | |
| Liquid Assets / Assets | 9.41% | 9.37% | 8.91% | 8.29% | 0.63% | -878 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |