Los Angeles, CA · Cert 33435
FDIC
Q3 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2013, the quarter ended September 30, 2013, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Los Angeles, CA · Cert 33435
FDIC
Q3 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 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.43% | 0.19% | 0.16%1 | 0.21%1 | 0.18%1 | 0.11% | 0.29% | 0.40% | +19 bps | |
| Return on Equity | 3.45% | 1.40% | 1.22% | 1.59% | 1.39% | 0.81% | 2.10% | 2.87% | +128 bps | |
| Net Interest Margin | 3.04% | 2.82% | 2.58% | 2.55% | 2.56% | 2.53% | 3.11% | 2.96% | +41 bps | |
| Efficiency Ratio | 90.30% | 94.70% | 103.11% | 99.68% | 99.04% | 96.77% | 92.64% | 90.06% | -962 bps | |
| Non-Interest Burden | 2.63% | 2.63% | 2.68% | 2.54% | 2.52% | 2.42% | 2.80% | 2.57% | +3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.27% | 3.95% | 11.34% | 9.84% | 4.44% | -9.98% | -9.83% | -4.26% | -1,411 bps | |
| Loan Growth (YoY) | -19.82% | -17.25% | -8.96% | -7.64% | -5.10% | 5.18% | 11.46% | 15.20% | +2,284 bps | |
| Deposit Growth (YoY) | -0.39% | 3.71% | 10.99% | 12.67% | 6.07% | -10.95% | -10.91% | -5.47% | -1,813 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 | 2.34% | 0.35% | 0.77% | 1.19% | 1.02% | 0.54% | 0.28% | 0.39% | -80 bps | |
| Allowance / Loans | 4.50% | 4.70% | 4.30% | 3.84% | 3.72% | 3.43% | 3.16% | 2.93% | -91 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 | 19.96% | 22.44% | 22.02% | 21.39% | 22.38% | 21.70% | 20.23% | 19.77% | -162 bps | |
| Equity / Assets | 13.48% | 13.00% | 12.80% | 12.67% | 13.04% | 14.50% | 14.29% | 13.41% | +74 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.02% | 69.59% | 70.20% | 67.56% | 69.81% | 82.19% | 87.83% | 82.33% | +1,477 bps | |
| Liquid Assets / Assets | 13.68% | 30.54% | 32.12% | 20.00% | 30.05% | 15.72% | 12.67% | 10.39% | -961 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |