Lakewood, CA · Cert 34250
FDIC
Q2 2012
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.28% | 0.46% | -1.81% | -10.99% | -0.24% | -3.45% | 0.35% | 2.74% | +1,373 bps | |
| Return on Equity | 15.70% | 3.14% | -12.15% | -77.22% | -1.87% | -29.75% | 3.09% | 22.14% | +9,936 bps | |
| Net Interest Margin | 3.12% | 2.73% | 2.37% | 2.57% | 2.95% | 3.35% | 3.03% | 2.95% | +38 bps | |
| Efficiency Ratio | 81.92% | 88.29% | 119.72% | 116.01% | 100.92% | 121.78% | 98.37% | 88.69% | -2,732 bps | |
| Non-Interest Burden | -0.89% | 0.18% | 5.53% | 5.22% | 3.19% | 8.84% | 2.68% | -0.13% | -535 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 | -0.32% | 0.89% | -0.28% | 0.50% | -2.65% | 2.28% | -0.21% | 0.37% | -13 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 |