PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Founders National Bank of Los Angeles

Los Angeles, CA · Cert 33305

FDIC

Q1 2001

$107.2MAssets
$74.3MLoans
$99.2MDeposits
$6.5MEquity
Loan mix
56%RE $31.8M44%C&I $24.8M0%Consumer $0.1MQ1 2000Q1 2001
Deposit mix
80%Interest-bearing $79.0M20%Noninterest $20.1MQ1 2000Q1 2001

NIM

Non-interest income vs. expense

Executive Summary

  • Earnings: ROA of 0.34%, down 15 bps year over year; NIM at 6.12%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 1.37%.
  • Funding: loans stand at 74.98% of deposits as of Q1 2001.

Financial Results

Return on Assets (quarter, annualized)

0.34%-15 bps YoY

Net Interest Margin (quarter, annualized)

6.12%

Efficiency Ratio (quarter, annualized)

89.74%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ1 2000Q2 2000Q3 2000Q4 2000Q1 2001YoY ΔTrend
Earnings
Return on Assets0.49%0.29%0.57%0.12%0.34%-15 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a6.12%n/an/a
Efficiency Ration/an/an/an/a89.74%n/an/a
Non-Interest Burdenn/an/an/an/a5.41%n/an/a
Growth
Asset Growth (YoY)5.05%2.15%-2.90%1.59%-2.74%-779 bps
Loan Growth (YoY)18.86%15.63%6.41%-3.23%-9.18%-2,804 bps
Deposit Growth (YoY)7.61%4.32%-1.48%1.41%-3.25%-1,086 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/a1.37%n/an/a
Allowance / Loansn/an/an/an/a1.78%n/an/a
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 Capitaln/an/an/an/a10.34%n/an/a
Equity / Assetsn/an/an/an/a6.08%n/an/a
Liquidity & Funding
Loans / Deposits79.87%82.58%79.10%77.20%74.98%-489 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.05%+5 bps
CRE / Total Capitaln/an/an/an/an/an/an/a