Los Angeles, CA · Cert 27338
FDIC
Q4 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2002, the quarter ended December 31, 2002, 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.
Los Angeles, CA · Cert 27338
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 | 2.47% | 2.44% | 2.32% | 2.21% | 1.54% | 1.67% | 1.35% | 1.21% | -100 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 4.85% | 5.54% | 4.55% | 4.14% | n/a | |
| Net Interest Margin | 5.60% | 5.17% | 5.16% | 4.90% | 4.45% | 4.20% | 4.04% | 3.98% | -91 bps | |
| Efficiency Ratio | 44.92% | 44.53% | 43.72% | 47.43% | 56.06% | 52.97% | 52.27% | 54.34% | +691 bps | |
| Non-Interest Burden | 1.30% | 1.15% | 1.09% | 1.27% | 1.74% | 1.51% | 1.46% | 1.56% | +29 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 31.58% | 25.58% | 8.87% | 19.68% | 12.79% | 21.61% | 19.10% | 20.33% | +65 bps | |
| Loan Growth (YoY) | 24.03% | 27.03% | 15.04% | 17.95% | 14.86% | 7.29% | 10.39% | 0.37% | -1,758 bps | |
| Deposit Growth (YoY) | 43.80% | 33.63% | 9.06% | 27.48% | 17.25% | 28.80% | 24.73% | 27.80% | +32 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 | -0.09% | -0.03% | -0.05% | -0.03% | -0.07% | -0.07% | -0.06% | -0.07% | -4 bps | |
| Allowance / Loans | 1.82% | 1.75% | 2.17% | 2.11% | 2.13% | 2.18% | 2.60% | 2.90% | +79 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 | 51.47% | 46.25% | 47.22% | 47.75% | 42.31% | 40.09% | 41.86% | 43.14% | -462 bps | |
| Equity / Assets | 33.50% | 31.42% | 32.00% | 31.73% | 31.60% | 27.42% | 28.20% | 27.49% | -424 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 127.31% | 123.21% | 119.65% | 119.35% | 124.72% | 102.63% | 105.90% | 93.73% | -2,561 bps | |
| Liquid Assets / Assets | 0.42% | 0.39% | 0.00% | 4.44% | 9.58% | 6.26% | 11.59% | 9.75% | +531 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |