Lakewood, CA · Cert 34250
FDIC
Q2 2012
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Lakewood, CA · Cert 34250
FDIC
Q2 2012
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 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.11% | 0.20% | -1.81% | -6.26% | -4.27% | -4.03% | 0.35% | 1.50% | +776 bps | |
| Return on Equity | 0.78% | 1.38% | -12.15% | -43.49% | -30.59% | -30.38% | 3.09% | 12.72% | +5,620 bps | |
| Net Interest Margin | 2.94% | 2.81% | 2.37% | 2.54% | 2.73% | 2.81% | 3.03% | 3.00% | +46 bps | |
| Efficiency Ratio | 90.65% | 89.99% | 119.72% | 117.89% | 111.18% | 114.06% | 98.37% | 93.03% | -2,486 bps | |
| Non-Interest Burden | 1.15% | 0.88% | 5.53% | 5.55% | 4.88% | 5.74% | 2.68% | 1.28% | -427 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -15.32% | -8.38% | -6.84% | -7.59% | -8.49% | 1.59% | -3.99% | 3.33% | +1,092 bps | |
| Loan Growth (YoY) | -4.86% | -10.54% | -26.50% | -21.03% | -9.86% | 12.46% | 21.54% | 16.68% | +3,772 bps | |
| Deposit Growth (YoY) | -16.35% | -9.60% | -7.87% | -5.28% | -8.77% | 5.40% | -0.96% | 1.98% | +726 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 | 1.97% | 1.93% | -0.28% | 0.12% | -0.82% | 0.00% | -0.21% | 0.09% | -4 bps | |
| Allowance / Loans | 2.40% | 2.92% | 3.82% | 3.34% | 3.42% | 2.02% | 2.46% | 2.23% | -111 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 | 25.12% | 31.18% | 34.58% | 28.67% | 26.25% | 22.92% | 26.39% | 25.22% | -345 bps | |
| Equity / Assets | 14.35% | 14.72% | 15.12% | 13.28% | 12.57% | 10.70% | 12.09% | 12.65% | -63 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.95% | 77.79% | 64.58% | 73.99% | 86.89% | 83.00% | 79.25% | 84.66% | +1,067 bps | |
| Liquid Assets / Assets | 19.29% | 31.17% | 41.11% | 31.14% | 23.78% | 24.49% | 28.56% | 24.33% | -681 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |