Los Angeles, CA · Cert 27094
FDIC
Q4 2002
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 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.32% | -2.20% | -2.43% | -5.24% | -3.72% | -2.72% | -3.83% | -3.86% | +139 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | -89.36% | -61.32% | -87.63% | -89.75% | n/a | |
| Net Interest Margin | 3.81% | 3.78% | 3.95% | 4.14% | 3.41% | 3.76% | 4.12% | 4.10% | -4 bps | |
| Efficiency Ratio | 67.29% | 72.64% | 76.67% | 92.32% | 88.24% | 90.00% | 85.59% | 87.48% | -484 bps | |
| Non-Interest Burden | 2.46% | 2.68% | 2.96% | 3.79% | 2.92% | 3.32% | 3.43% | 3.49% | -29 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.21% | -16.03% | -23.01% | -24.01% | -28.04% | -33.99% | -27.77% | -35.47% | -1,146 bps | |
| Loan Growth (YoY) | 1.18% | -10.18% | -16.03% | -14.89% | -30.00% | -30.47% | -27.90% | -43.13% | -2,823 bps | |
| Deposit Growth (YoY) | -3.29% | -16.33% | -19.96% | -24.04% | -27.73% | -35.27% | -26.73% | -30.60% | -656 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 | 0.86% | 4.94% | 4.65% | 6.64% | 8.88% | 6.20% | 9.78% | 12.97% | +633 bps | |
| Allowance / Loans | 3.81% | 3.43% | 4.20% | 5.42% | 6.30% | 6.75% | 5.31% | 5.52% | +10 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 | 8.32% | 8.24% | 8.63% | 6.38% | 6.29% | 6.28% | 5.36% | 5.63% | -75 bps | |
| Equity / Assets | 6.87% | 6.36% | 6.76% | 3.62% | 4.75% | 5.09% | 4.13% | 3.89% | +27 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 99.63% | 98.14% | 99.26% | 102.21% | 96.50% | 105.42% | 97.68% | 83.76% | -1,845 bps | |
| Liquid Assets / Assets | 2.77% | 2.92% | 3.19% | 1.14% | 1.13% | 1.51% | 2.17% | 5.57% | +444 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |