Los Angeles, CA · Cert 27069
FDIC
Q4 2005
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 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.28% | 1.25% | 1.27% | 1.20% | 1.24% | 1.37% | 1.37% | 0.92% | -28 bps | |
| Return on Equity | 14.54% | 14.02% | 14.00% | 13.17% | 13.39% | 14.73% | 14.72% | 9.58% | -359 bps | |
| Net Interest Margin | 3.83% | 3.84% | 3.84% | 3.65% | 4.17% | 4.24% | 4.27% | 4.46% | +81 bps | |
| Efficiency Ratio | 50.27% | 51.12% | 50.36% | 54.39% | 53.32% | 50.44% | 50.28% | 54.59% | +19 bps | |
| Non-Interest Burden | 1.74% | 1.78% | 1.75% | 1.83% | 2.04% | 1.94% | 1.95% | 2.24% | +42 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 17.63% | 3.98% | 10.64% | 13.68% | 9.87% | 15.44% | 18.93% | -3.91% | -1,759 bps | |
| Loan Growth (YoY) | 7.54% | 8.64% | 17.71% | 16.32% | 24.39% | 22.40% | 16.59% | 4.75% | -1,158 bps | |
| Deposit Growth (YoY) | 15.74% | 0.85% | 4.21% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.02% | -0.01% | -0.02% | -0.02% | -0.01% | -0.02% | -0.01% | 0.00% | +1 bps | |
| Allowance / Loans | 1.22% | 1.18% | 1.14% | 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 | 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 | 12.35% | 12.59% | 12.23% | 12.04% | 12.29% | 12.18% | 12.47% | 13.99% | +196 bps | |
| Equity / Assets | 8.67% | 9.12% | 9.43% | 9.28% | 9.18% | 9.46% | 9.39% | 10.88% | +160 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.90% | 88.72% | 96.95% | 91.22% | 89.64% | 92.16% | 88.57% | 98.97% | +776 bps | |
| Liquid Assets / Assets | 7.54% | 10.41% | 10.25% | 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 | n/a | n/a | n/a |