Encino, CA · Cert 32193
FDIC
Q3 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2010, the quarter ended September 30, 2010, 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.
Encino, CA · Cert 32193
FDIC
Q3 2010
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 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.34% | 0.45% | 0.43% | 0.32% | 0.32% | 0.55% | 0.60% | 0.74% | +42 bps | |
| Return on Equity | -2.85% | 4.07% | 3.93% | 2.93% | 2.97% | 5.27% | 5.68% | 6.96% | +404 bps | |
| Net Interest Margin | 4.03% | 3.86% | 3.80% | 3.69% | 3.69% | 3.49% | 3.67% | 3.55% | -14 bps | |
| Efficiency Ratio | 61.73% | 68.30% | 67.74% | 64.20% | 65.32% | 73.69% | 74.83% | 69.52% | +532 bps | |
| Non-Interest Burden | 2.34% | 2.51% | 2.45% | 2.24% | 2.29% | 2.48% | 2.66% | 2.34% | +10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.62% | 2.26% | 11.32% | 9.47% | 14.25% | 12.03% | 1.87% | 9.07% | -40 bps | |
| Loan Growth (YoY) | -1.70% | 0.46% | 9.75% | 5.76% | 3.74% | -4.34% | -10.09% | -9.23% | -1,499 bps | |
| Deposit Growth (YoY) | 5.50% | 3.08% | 13.74% | 11.40% | 15.59% | 13.03% | 1.21% | 9.00% | -240 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 | 1.24% | 0.33% | 0.50% | 0.97% | 0.95% | 0.06% | -0.03% | -0.12% | -109 bps | |
| Allowance / Loans | 2.97% | 3.03% | 2.99% | 3.07% | 3.12% | 3.37% | 3.46% | 3.52% | +45 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 | 13.41% | 13.39% | 13.10% | 13.57% | 13.61% | 14.13% | 14.65% | 14.75% | +118 bps | |
| Equity / Assets | 11.34% | 10.99% | 10.48% | 10.76% | 10.40% | 10.35% | 10.99% | 10.64% | -12 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.11% | 91.26% | 88.45% | 88.54% | 84.47% | 77.23% | 78.58% | 73.73% | -1,481 bps | |
| Liquid Assets / Assets | 6.17% | 4.41% | 2.40% | 2.18% | 3.05% | 1.42% | 0.36% | 0.14% | -204 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |