PackageTrendsPeer
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First Bank of Beverly Hills

Calabasas, CA · Cert 32069

FDIC

Q1 2009

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

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.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

First Bank of Beverly Hills

Calabasas, CA · Cert 32069

FDIC

Q1 2009

$1.3BAssets
$804.2MLoans
$866.5MDeposits
$47.6MEquity
Deposit mix
100%Interest-bearing $864.6M0%Noninterest $1.9MQ1 2008Q1 2009

NIM

6.45%Q1 ’076.34%Q1 ’085.06%Q1 ’09+2%-41%

Non-interest income vs. expense

0.71%Q1 ’070.82%Q1 ’081.13%Q1 ’09+15%+44%

Executive Summary

  • Earnings: ROA of -2.85%, down 357 bps year over year; NIM at 1.29%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 6.29%.
  • Funding: loans stand at 92.82% of deposits as of Q1 2009.

Financial Results

Return on Assets (YTD, annualized)

-2.85%-357 bps YoY

Net Interest Margin (YTD, annualized)

1.29%-91 bps YoY

Efficiency Ratio (YTD, annualized)

90.08%+5,293 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2008Q2 2008Q3 2008Q4 2008Q1 2009YoY ΔTrend
Earnings
Return on Assets0.72%0.49%-0.62%-6.40%-2.85%-357 bps
Return on Equity8.08%5.25%-6.72%-80.34%-79.58%-8,766 bps
Net Interest Margin2.20%2.31%2.47%1.91%1.29%-91 bps
Efficiency Ratio37.15%34.35%30.75%39.42%90.08%+5,293 bps
Non-Interest Burden0.81%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 / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%1.08%1.21%6.37%6.29%+629 bps
Allowance / Loans2.30%2.26%4.21%3.55%3.33%+104 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital14.22%15.22%14.68%6.45%6.48%-775 bps
Equity / Assets9.13%9.94%9.09%3.43%3.77%-535 bps
Liquidity & Funding
Loans / Deposits150.17%144.31%132.39%82.87%92.82%-5,735 bps
Liquid Assets / Assets0.49%0.00%0.87%0.00%0.00%-49 bps
CRE / Total Capitaln/an/an/an/an/an/an/a