Los Angeles, CA · Cert 34659
FDIC
Q3 2009
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 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.03% | 1.19% | 0.99% | -4.88% | -4.79% | 0.06%1 | -0.56% | -0.95% | +393 bps | |
| Return on Equity | 8.99% | 11.26% | 9.70% | -53.88% | -58.27% | 1.14% | -11.59% | -20.79% | +3,309 bps | |
| Net Interest Margin | 3.42% | 3.12% | 3.12% | 3.09% | 3.40% | 2.75% | 2.54% | 2.23% | -86 bps | |
| Efficiency Ratio | 53.11% | 51.76% | 49.75% | 48.20% | 56.56% | 68.47% | 78.16% | 83.98% | +3,578 bps | |
| Non-Interest Burden | 1.73% | 1.29% | 1.32% | 1.30% | 1.91% | 1.82% | 1.95% | 1.86% | +55 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 | -0.01% | 0.47% | 0.47% | 0.37% | 0.79% | 1.54% | 2.13% | 1.99% | +162 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 |