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 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.89% | 1.22% | -1.70% | -5.02% | -14.04% | -1,493 bps | |
| Return on Equity | 0.90% | 1.24% | -1.74% | -5.14% | -15.05% | -1,595 bps | |
| Net Interest Margin | 1.55% | 1.51% | 1.43% | 1.35% | 0.90% | -65 bps | |
| Efficiency Ratio | 97.84% | 96.78% | 103.33% | 110.87% | 171.26% | +7,343 bps | |
| Non-Interest Burden | 0.44% | -0.11% | 3.08% | 6.20% | 14.87% | +1,443 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 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 |
| Deposit Growth (YoY) | 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 |
| Net Charge-Offs / Loans | 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 |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 115.13% | 118.19% | 123.57% | 131.69% | 250% | +13,441 bps | |
| Equity / Assets | 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 |
| Liquid Assets / Assets | 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 |