Encino, CA · Cert 32193
FDIC
Q3 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.90% | 0.45% | 0.41% | 0.10% | 0.33% | 0.55% | 0.65% | 1.02% | +92 bps | |
| Return on Equity | -33.16% | 4.07% | 3.80% | 0.96% | 3.08% | 5.27% | 6.08% | 9.47% | +850 bps | |
| Net Interest Margin | 3.32% | 3.86% | 3.89% | 3.84% | 3.82% | 3.49% | 3.71% | 3.64% | -20 bps | |
| Efficiency Ratio | 63.62% | 68.30% | 67.20% | 57.52% | 68.53% | 73.69% | 75.95% | 60.02% | +251 bps | |
| Non-Interest Burden | 1.97% | 2.51% | 2.48% | 2.05% | 2.50% | 2.48% | 2.74% | 1.92% | -13 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 | 4.86% | 0.33% | 0.67% | 1.91% | 0.88% | 0.06% | -0.12% | -0.29% | -220 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 |