Los Angeles, CA · Cert 33332
FDIC
Q4 2005
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.17% | 1.29% | 1.73% | 0.61% | 2.18% | 2.24% | 2.43% | 1.23% | +63 bps | |
| Return on Equity | 4.07% | 5.07% | 6.88% | 2.45% | 9.11% | 9.82% | 11.12% | 5.92% | +347 bps | |
| Net Interest Margin | 2.11% | 1.90% | 2.12% | 2.13% | 2.36% | 2.18% | 2.20% | 2.20% | +6 bps | |
| Efficiency Ratio | 83.10% | 80.98% | 75.77% | 90.94% | 70.24% | 71.03% | 65.54% | 80.39% | -1,055 bps | |
| Non-Interest Burden | 0.13% | -0.27% | -0.71% | 1.22% | -1.28% | -0.97% | -1.83% | 0.03% | -119 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 330% | 171.87% | 125.89% | 33.91% | 11.09% | 15.54% | 14.47% | 22.57% | -1,134 bps | |
| Loan Growth (YoY) | 249% | 180.88% | 132.43% | 53.82% | 58.49% | 19.12% | 17.75% | 5.48% | -4,834 bps | |
| Deposit Growth (YoY) | 226% | 101.22% | 77.67% | 32.72% | 10.96% | 23.50% | 26.86% | 39.45% | +673 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.51% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.60% | 0.44% | 0.42% | 0.38% | 0.39% | 0.42% | 0.43% | 0.45% | +7 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 | 29.62% | 27.58% | 27.29% | 24.75% | 24.79% | 23.14% | 22.33% | 22.78% | -197 bps | |
| Equity / Assets | 26.18% | 24.81% | 25.43% | 24.31% | 23.61% | 21.96% | 21.70% | 20.04% | -427 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 31.31% | 42.36% | 44.59% | 47.46% | 44.73% | 40.86% | 41.39% | 35.90% | -1,156 bps | |
| Liquid Assets / Assets | 0.02% | 0.02% | 0.02% | 0.00% | 0.01% | 0.01% | 0.01% | 0.01% | +1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |