Encino, CA · Cert 34476
FDIC
Q3 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2004, the quarter ended September 30, 2004, 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.
Encino, CA · Cert 34476
FDIC
Q3 2004
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 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.65% | 0.58% | 0.63% | 0.50% | 0.52% | 0.53% | 0.53% | -1.02% | -153 bps | |
| Return on Equity | 9.75% | 8.85% | 9.67% | 7.83% | 8.15% | 8.83% | 8.96% | -18.04% | -2,588 bps | |
| Net Interest Margin | 3.51% | 3.91% | 3.86% | 3.65% | 3.49% | 3.46% | 3.18% | 3.26% | -39 bps | |
| Efficiency Ratio | 70.97% | 75.67% | 73.70% | 72.58% | 73.26% | 74.97% | 73.54% | 117.74% | +4,516 bps | |
| Non-Interest Burden | 2.38% | 2.86% | 2.74% | 2.55% | 2.46% | 2.50% | 2.25% | 3.89% | +135 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.76% | 7.16% | 14.54% | 20.63% | 22.71% | 21.00% | 21.95% | 16.11% | -452 bps | |
| Loan Growth (YoY) | 28.26% | 25.77% | 31.12% | 15.81% | 17.51% | 10.85% | 5.33% | 7.34% | -847 bps | |
| Deposit Growth (YoY) | 16.20% | 6.76% | 14.85% | 21.47% | 23.63% | 21.47% | 22.83% | 17.53% | -394 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 | 0.02% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.02% | 0.02% | +2 bps | |
| Allowance / Loans | 0.91% | 0.88% | 0.86% | 0.93% | 0.76% | 0.76% | 0.78% | 0.83% | -10 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 | 11.71% | 11.10% | 10.59% | 10.81% | 10.77% | 10.85% | 10.87% | 9.37% | -144 bps | |
| Equity / Assets | 6.73% | 6.48% | 6.42% | 6.08% | 5.99% | 6.11% | 5.73% | 4.93% | -115 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 59.74% | 60.42% | 63.17% | 56.93% | 56.78% | 55.14% | 54.17% | 51.99% | -494 bps | |
| Liquid Assets / Assets | 26.33% | 18.93% | 23.90% | 0.06% | 0.06% | 0.06% | 0.05% | 0.05% | -1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |