Los Angeles, CA · Cert 33796
FDIC
Q4 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2002, the quarter ended December 31, 2002, 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 33796
FDIC
Q4 2002
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 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.89% | -5.13% | -3.34% | -7.39% | -6.91% | -5.40% | -5.47% | -0.23% | +715 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | -9.49% | -7.39% | -7.48% | -0.30% | n/a | |
| Net Interest Margin | 4.79% | 4.38% | 4.15% | 3.99% | 2.35% | 2.24% | 2.41% | 2.77% | -122 bps | |
| Efficiency Ratio | 130.59% | 145.86% | 147.11% | 160.43% | 232% | 223% | 218% | 131.58% | -2,885 bps | |
| Non-Interest Burden | 8.94% | 10.34% | 10.09% | 11.35% | 11.38% | 10.49% | 10.49% | 5.90% | -545 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.67% | -12.82% | -6.92% | -10.18% | -11.87% | -6.10% | -8.64% | -22.35% | -1,218 bps | |
| Loan Growth (YoY) | -2.21% | -3.40% | -19.29% | -27.83% | -29.74% | -34.45% | -18.85% | -9.75% | +1,808 bps | |
| Deposit Growth (YoY) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | -100.00% | -10,000 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 | 5.35% | 5.44% | 5.36% | 6.28% | 5.23% | 2.20% | 2.71% | 1.68% | -460 bps | |
| Allowance / Loans | 10.03% | 9.99% | 9.99% | 9.97% | 9.99% | 10.00% | 10.03% | 9.96% | 0 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 | 120.54% | 115.08% | 131.12% | 160.32% | 164.03% | 161.63% | 161.03% | 150.71% | -962 bps | |
| Equity / Assets | 75.56% | 73.92% | 73.99% | 72.46% | 73.12% | 73.73% | 73.03% | 95.06% | +2,260 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 239% | 250% | 194.20% | 184.60% | 168.20% | 164.00% | 157.60% | n/a | n/a | |
| Liquid Assets / Assets | 21.47% | 22.72% | 28.83% | 42.27% | 43.85% | 43.08% | 44.20% | 0.00% | -4,227 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |