Los Angeles, CA · Cert 27530
FDIC
Q3 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2011, the quarter ended September 30, 2011, 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 27530
FDIC
Q3 2011
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 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.13% | -0.28% | -1.16% | -0.53% | -0.17% | 1.02% | 0.98% | 1.13% | +167 bps | |
| Return on Equity | -1.20% | -2.26% | -9.26% | -4.26% | -1.38% | 7.75% | 7.41% | 8.48% | +1,274 bps | |
| Net Interest Margin | 2.90% | 3.24% | 3.66% | 3.64% | 3.69% | 4.00% | 4.04% | 4.05% | +40 bps | |
| Efficiency Ratio | 54.87% | 47.90% | 49.39% | 47.10% | 47.10% | 46.53% | 44.70% | 44.54% | -255 bps | |
| Non-Interest Burden | 1.42% | 1.37% | 1.60% | 1.41% | 1.44% | 1.55% | 1.36% | 1.41% | 0 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 20.83% | 8.98% | -11.04% | -7.09% | -8.24% | -4.95% | 2.30% | 1.06% | +815 bps | |
| Loan Growth (YoY) | 6.54% | 5.32% | 0.67% | -0.53% | -3.18% | -0.73% | 2.83% | 5.73% | +626 bps | |
| Deposit Growth (YoY) | 26.26% | 9.37% | -12.15% | -10.92% | -10.70% | -4.83% | 4.47% | 2.60% | +1,352 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 | 2.00% | 3.77% | 5.92% | 4.57% | 3.76% | 0.77% | 1.61% | 1.22% | -335 bps | |
| Allowance / Loans | 2.65% | 2.89% | 2.91% | 2.93% | 2.87% | 2.89% | 2.68% | 2.61% | -32 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 | 17.29% | 17.28% | 16.66% | 17.23% | 17.28% | 17.33% | 17.33% | 17.70% | +46 bps | |
| Equity / Assets | 12.05% | 12.54% | 12.89% | 12.72% | 12.95% | 13.36% | 13.48% | 13.69% | +97 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.68% | 96.27% | 101.08% | 98.13% | 99.40% | 100.41% | 99.50% | 101.12% | +299 bps | |
| Liquid Assets / Assets | 2.54% | 7.68% | 6.06% | 6.91% | 5.02% | 3.83% | 4.77% | 4.74% | -217 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |