Calabasas, CA · Cert 32069
FDIC
Q1 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2009, the quarter ended March 31, 2009, 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.
Calabasas, CA · Cert 32069
FDIC
Q1 2009
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 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.72% | 0.49% | -0.62% | -6.40% | -2.85% | -357 bps | |
| Return on Equity | 8.08% | 5.25% | -6.72% | -80.34% | -79.58% | -8,766 bps | |
| Net Interest Margin | 2.20% | 2.31% | 2.47% | 1.91% | 1.29% | -91 bps | |
| Efficiency Ratio | 37.15% | 34.35% | 30.75% | 39.42% | 90.08% | +5,293 bps | |
| Non-Interest Burden | 0.81% | 0.79% | 0.65% | 0.69% | 1.17% | +36 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -10.69% | -14.84% | -17.17% | 2.64% | -10.66% | +3 bps | |
| Loan Growth (YoY) | -7.60% | -10.07% | -12.35% | -14.49% | -17.28% | -967 bps | |
| Deposit Growth (YoY) | -15.56% | -9.15% | -7.66% | 55.78% | 33.84% | +4,940 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 1.08% | 1.21% | 6.37% | 6.29% | +629 bps | |
| Allowance / Loans | 2.30% | 2.26% | 4.21% | 3.55% | 3.33% | +104 bps | |
| 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 | 14.22% | 15.22% | 14.68% | 6.45% | 6.48% | -775 bps | |
| Equity / Assets | 9.13% | 9.94% | 9.09% | 3.43% | 3.77% | -535 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 150.17% | 144.31% | 132.39% | 82.87% | 92.82% | -5,735 bps | |
| Liquid Assets / Assets | 0.49% | 0.00% | 0.87% | 0.00% | 0.00% | -49 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |