Irwindale, CA · Cert 35287
FDIC
Q2 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.62% | -3.00% | -2.37% | -0.76% | -0.55% | -1.68% | -0.62% | -2.73% | -197 bps | |
| Return on Equity | -18.41% | -23.89% | -24.81% | -9.95% | -7.18% | -21.59% | -7.84% | -35.70% | -2,575 bps | |
| Net Interest Margin | 5.39% | 4.32% | 4.05% | 3.65% | 2.85% | 3.68% | 4.40% | 4.37% | +73 bps | |
| Efficiency Ratio | 133.00% | 157.35% | 144.00% | 101.42% | 111.11% | 132.72% | 109.93% | 158.29% | +5,686 bps | |
| Non-Interest Burden | 7.26% | 6.97% | 5.99% | 3.71% | 3.27% | 5.03% | 4.92% | 6.90% | +319 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 | 0.00% | 0.00% | 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 |