Rosemead, CA · Cert 33340
FDIC
Q2 2003
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 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.63% | 0.80% | 0.73% | 0.77% | 0.91% | 0.92% | 0.79% | 0.66% | -11 bps | |
| Return on Equity | n/a | n/a | 7.33% | 8.03% | 9.66% | 9.86% | 8.87% | 7.41% | -62 bps | |
| Net Interest Margin | 3.19% | 3.32% | 2.87% | 2.84% | 2.86% | 2.77% | 3.13% | 3.28% | +44 bps | |
| Efficiency Ratio | 65.74% | 60.93% | 60.92% | 59.53% | 55.39% | 55.48% | 55.58% | 53.92% | -561 bps | |
| Non-Interest Burden | 1.96% | 1.86% | 1.64% | 1.55% | 1.38% | 1.33% | 1.53% | 1.57% | +2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.79% | 1.29% | 6.40% | 19.75% | 18.76% | 24.56% | 19.31% | 10.63% | -912 bps | |
| Loan Growth (YoY) | 6.47% | 13.38% | 19.33% | 27.83% | 18.12% | 17.32% | 13.05% | 6.32% | -2,151 bps | |
| Deposit Growth (YoY) | -4.08% | 0.30% | 6.15% | 20.82% | 19.57% | 26.17% | 20.29% | 10.92% | -990 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 | 0.01% | 0.00% | 0.00% | 0.09% | 0.06% | 0.04% | 0.08% | 0.04% | -5 bps | |
| Allowance / Loans | 1.64% | 1.61% | 1.47% | 1.31% | 1.26% | 1.26% | 1.30% | 1.64% | +33 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 | 13.08% | 12.97% | 12.95% | 11.88% | 12.08% | 11.87% | 12.18% | 12.19% | +31 bps | |
| Equity / Assets | 9.96% | 10.03% | 9.84% | 8.93% | 9.17% | 8.78% | 9.11% | 8.93% | 0 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.84% | 83.51% | 85.25% | 81.30% | 82.83% | 77.65% | 80.12% | 77.93% | -337 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.34% | 0.31% | 0.29% | 0.61% | 0.58% | +24 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |