Irwindale, CA · Cert 35287
FDIC
Q2 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2003, the quarter ended June 30, 2003, 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.
Irwindale, CA · Cert 35287
FDIC
Q2 2003
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 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.93% | -3.69% | -2.37% | -1.53% | -1.18% | -1.33% | -0.62% | -1.66% | -13 bps | |
| Return on Equity | n/a | n/a | -24.81% | -17.49% | -13.90% | -15.93% | -7.84% | -21.52% | -404 bps | |
| Net Interest Margin | 4.55% | 4.17% | 4.05% | 3.40% | 3.06% | 3.26% | 4.40% | 4.46% | +106 bps | |
| Efficiency Ratio | 154.11% | 154.96% | 144.00% | 121.04% | 117.56% | 121.75% | 109.93% | 131.55% | +1,050 bps | |
| Non-Interest Burden | 7.14% | 6.59% | 5.99% | 4.19% | 3.69% | 4.08% | 4.92% | 5.99% | +180 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 81.52% | 62.61% | 56.49% | 72.50% | 57.19% | 44.55% | -6.27% | -4.42% | -7,692 bps | |
| Loan Growth (YoY) | 366% | 156.00% | 155.34% | 78.49% | 36.10% | 49.46% | 19.18% | -6.29% | -8,479 bps | |
| Deposit Growth (YoY) | 127.64% | 92.06% | 71.71% | 90.05% | 67.40% | 50.63% | -6.64% | -3.94% | -9,399 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 | 0.20% | 0.16% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.41% | 1.58% | 1.39% | 1.58% | 1.63% | 1.63% | 1.61% | 1.93% | +35 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 | 17.67% | 16.75% | 12.44% | 11.56% | 12.38% | 11.53% | 11.24% | 11.48% | -8 bps | |
| Equity / Assets | 13.12% | 11.98% | 7.84% | 7.43% | 7.82% | 7.77% | 8.17% | 7.16% | -26 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.69% | 75.90% | 66.28% | 68.18% | 66.42% | 75.31% | 84.61% | 66.51% | -167 bps | |
| Liquid Assets / Assets | 5.62% | 4.64% | 2.90% | 4.15% | 3.14% | 4.44% | 3.11% | 13.67% | +951 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |