PackageTrendsPeer
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Bank of Lakewood

Lakewood, CA · Cert 34250

FDIC

Q2 2012

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2012, the quarter ended June 30, 2012, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Bank of Lakewood

Lakewood, CA · Cert 34250

FDIC

Q2 2012

$181.4MAssets
$127.9MLoans
$151.0MDeposits
$22.9MEquity
Loan mix
89%RE $108.4M11%C&I $13.8M0%Consumer $0.0MQ2 2011Q2 2012
Deposit mix
86%Interest-bearing $129.4M14%Noninterest $21.6MQ2 2011Q2 2012

NIM

4.28%Q2 ’103.55%Q2 ’113.65%Q2 ’12-12%+18%

Non-interest income vs. expense

17.54%Q2 ’1019.60%Q2 ’1122.98%Q2 ’12+153%-77%

Executive Summary

  • Earnings: ROA of 1.50%, up 776 bps year over year; NIM at 3.00%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.09%.
  • Funding: loans stand at 84.66% of deposits as of Q2 2012.

Financial Results

Return on Assets (YTD, annualized)

1.50%+776 bps YoY

Net Interest Margin (YTD, annualized)

3.00%+46 bps YoY

Efficiency Ratio (YTD, annualized)

93.03%-2,486 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2011Q3 2011Q4 2011Q1 2012Q2 2012YoY ΔTrend
Earnings
Return on Assets-6.26%-4.27%-4.03%0.35%1.50%+776 bps
Return on Equity-43.49%-30.59%-30.38%3.09%12.72%+5,620 bps
Net Interest Margin2.54%2.73%2.81%3.03%3.00%+46 bps
Efficiency Ratio117.89%111.18%114.06%98.37%93.03%-2,486 bps
Non-Interest Burden5.55%4.88%5.74%2.68%1.28%-427 bps
Growth
Asset Growth (YoY)-7.59%-8.49%1.59%-3.99%3.33%+1,092 bps
Loan Growth (YoY)-21.03%-9.86%12.46%21.54%16.68%+3,772 bps
Deposit Growth (YoY)-5.28%-8.77%5.40%-0.96%1.98%+726 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.12%-0.82%0.00%-0.21%0.09%-4 bps
Allowance / Loans3.34%3.42%2.02%2.46%2.23%-111 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital28.67%26.25%22.92%26.39%25.22%-345 bps
Equity / Assets13.28%12.57%10.70%12.09%12.65%-63 bps
Liquidity & Funding
Loans / Deposits73.99%86.89%83.00%79.25%84.66%+1,067 bps
Liquid Assets / Assets31.14%23.78%24.49%28.56%24.33%-681 bps
CRE / Total Capitaln/an/an/an/an/an/an/a