Los Angeles, CA · Cert 27338
FDIC
Q4 2002
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | 2.42% | 2.06% | 1.88% | 1.54% | 1.82% | 0.73% | 0.81% | -107 bps | |
| Return on Equity | n/a | 7.47% | 6.50% | 5.90% | 4.85% | 6.22% | 2.62% | 2.92% | -298 bps | |
| Net Interest Margin | 5.60% | 5.14% | 5.32% | 4.62% | 4.45% | 4.38% | 4.29% | 4.05% | -57 bps | |
| Efficiency Ratio | 44.92% | 44.13% | 42.18% | 59.20% | 56.06% | 50.02% | 50.95% | 60.58% | +138 bps | |
| Non-Interest Burden | 1.30% | 1.08% | 1.02% | 1.92% | 1.74% | 1.45% | 1.54% | 1.96% | +5 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% | 0.02% | -0.09% | 0.04% | -0.07% | -0.06% | -0.06% | -0.07% | -10 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 |