Pasadena, CA · Cert 27545
FDIC
Q1 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2004, the quarter ended March 31, 2004, 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.
Pasadena, CA · Cert 27545
FDIC
Q1 2004
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 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 6.78% | 5.72% | 5.68% | 0.89% | 1.22% | -1.70% | -5.02% | -14.04% | -1,493 bps | |
| Return on Equity | 7.10% | 5.95% | 5.88% | 0.90% | 1.24% | -1.74% | -5.14% | -15.05% | -1,595 bps | |
| Net Interest Margin | 2.70% | 2.53% | 2.36% | 1.55% | 1.51% | 1.43% | 1.35% | 0.90% | -65 bps | |
| Efficiency Ratio | 82.69% | 84.05% | 84.37% | 97.84% | 96.78% | 103.33% | 110.87% | 171.26% | +7,343 bps | |
| Non-Interest Burden | -5.41% | -4.69% | -4.40% | 0.44% | -0.11% | 3.08% | 6.20% | 14.87% | +1,443 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.15% | 7.49% | 1.07% | 3.23% | 0.11% | 2.02% | -2.34% | -0.50% | -373 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| 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 | 112.06% | 116.49% | 113.40% | 115.13% | 118.19% | 123.57% | 131.69% | 250% | +13,441 bps | |
| Equity / Assets | 95.89% | 98.03% | 98.55% | 99.05% | 98.67% | 96.15% | 95.78% | 90.79% | -826 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquid Assets / Assets | 87.74% | 89.21% | 89.25% | 85.75% | 88.53% | 87.67% | 94.24% | 95.12% | +936 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |