Los Angeles, CA · Cert 33435
FDIC
Q3 2013
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.09% | 0.19% | 0.13%1 | 0.30% | 0.10% | 0.11% | 0.49% | 0.61% | +31 bps | |
| Return on Equity | 0.64% | 1.40% | 1.05% | 2.33% | 0.79% | 0.81% | 3.40% | 4.41% | +208 bps | |
| Net Interest Margin | 3.01% | 2.82% | 2.44% | 2.57% | 2.45% | 2.53% | 3.43% | 3.13% | +56 bps | |
| Efficiency Ratio | 97.51% | 94.70% | 112.07% | 93.56% | 97.22% | 96.77% | 89.31% | 85.11% | -845 bps | |
| Non-Interest Burden | 2.93% | 2.63% | 2.83% | 2.33% | 2.35% | 2.42% | 2.94% | 2.53% | +19 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 | 5.26% | 0.35% | 1.20% | 2.01% | 0.52% | 0.54% | 0.06% | 0.63% | -138 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 |