Fountain Valley, CA · Cert 32707
FDIC
Q1 2013
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 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.71% | 0.59% | 0.65% | 1.00% | 0.87% | 0.95% | 1.01% | 1.29% | +29 bps | |
| Return on Equity | 5.93% | 4.90% | 5.21% | 6.92% | 5.90% | 6.22% | 6.36% | 6.74% | -17 bps | |
| Net Interest Margin | 3.16% | 3.19% | 3.26% | 3.23% | 3.29% | 3.48% | 3.52% | 3.20% | -3 bps | |
| Efficiency Ratio | 35.84% | 26.46% | 27.23% | 31.74% | 31.79% | 31.55% | 28.81% | 24.69% | -705 bps | |
| Non-Interest Burden | 1.71% | 1.01% | 1.04% | 1.05% | 1.12% | 1.14% | 1.04% | 0.83% | -22 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.24% | -9.19% | -14.08% | -9.82% | -12.48% | -21.24% | -16.94% | -21.78% | -1,196 bps | |
| Loan Growth (YoY) | -10.22% | -12.18% | -14.57% | -15.48% | -18.34% | -19.68% | -22.09% | -24.45% | -896 bps | |
| Deposit Growth (YoY) | -12.07% | -10.47% | -18.97% | -14.44% | -18.37% | -29.64% | -23.62% | -28.48% | -1,404 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 | 0.57% | 1.56% | 1.79% | 1.11% | 1.61% | 1.36% | 1.60% | 0.99% | -12 bps | |
| Allowance / Loans | 2.77% | 2.86% | 2.76% | 2.77% | 2.76% | 2.83% | 2.79% | 2.79% | +2 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 | 15.28% | 15.93% | 17.58% | 18.52% | 20.28% | 21.67% | 24.03% | 25.71% | +719 bps | |
| Equity / Assets | 12.49% | 12.41% | 14.54% | 14.37% | 15.44% | 17.20% | 18.64% | 19.57% | +520 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 117.04% | 111.13% | 124.43% | 114.75% | 117.09% | 126.86% | 126.92% | 121.23% | +648 bps | |
| Liquid Assets / Assets | 8.44% | 12.74% | 8.04% | 12.82% | 14.25% | 11.24% | 12.97% | 14.33% | +151 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |