Los Angeles, CA · Cert 34659
FDIC
Q3 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.34% | 1.19% | 0.80% | -15.84% | -4.51% | 0.06%1 | -1.14% | -1.65% | +1,419 bps | |
| Return on Equity | 2.94% | 11.26% | 8.26% | -205% | -83.67% | 1.14% | -24.12% | -39.31% | +16,588 bps | |
| Net Interest Margin | 3.21% | 3.12% | 3.37% | 3.46% | 3.62% | 2.75% | 2.53% | 2.10% | -136 bps | |
| Efficiency Ratio | 68.55% | 51.76% | 47.83% | 45.38% | 93.01% | 68.47% | 88.12% | 97.74% | +5,236 bps | |
| Non-Interest Burden | 2.29% | 1.29% | 1.46% | 1.45% | 3.44% | 1.82% | 2.21% | 2.05% | +60 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.87% | 9.19% | 17.47% | 11.76% | 11.71% | 4.70% | 6.04% | 22.40% | +1,064 bps | |
| Loan Growth (YoY) | -2.00% | 10.08% | 29.81% | 35.14% | 33.11% | 19.96% | 2.19% | -0.61% | -3,575 bps | |
| Deposit Growth (YoY) | 1.27% | -1.49% | -2.98% | 2.24% | -0.63% | 4.74% | 22.83% | 29.23% | +2,699 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% | 0.47% | 0.54% | 0.20% | 2.06% | 1.54% | 2.71% | 1.68% | +148 bps | |
| Allowance / Loans | 1.29% | 1.04% | 1.02% | 1.56% | 2.10% | 2.01% | 2.03% | 2.13% | +58 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 | 10.86% | 10.79% | 10.00% | 6.50% | 5.00% | 4.85% | 2.00% | 0.14% | -636 bps | |
| Equity / Assets | 11.26% | 9.85% | 9.54% | 5.81% | 4.96% | 4.95% | 4.50% | 3.91% | -190 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.37% | 90.50% | 106.45% | 104.43% | 107.65% | 103.65% | 88.57% | 80.32% | -2,411 bps | |
| Liquid Assets / Assets | 0.04% | 0.04% | 0.04% | 0.04% | 0.04% | 4.27% | 11.68% | 20.79% | +2,075 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |