Pasadena, CA · Cert 57148
FDIC
Q3 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2010, the quarter ended September 30, 2010, 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.
Pasadena, CA · Cert 57148
FDIC
Q3 2010
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 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -13.37% | -6.19% | -6.54% | -14.51% | -11.50% | -1.65% | -2.65% | -3.32% | +1,120 bps | |
| Return on Equity | -77.76% | -43.54% | -47.37% | -117.65% | -101.00% | -24.43% | -33.86% | -40.24% | +7,740 bps | |
| Net Interest Margin | 4.28% | 4.22% | 4.14% | 4.59% | 4.71% | 3.93% | 3.83% | 3.95% | -64 bps | |
| Efficiency Ratio | 87.19% | 113.24% | 162.21% | 111.92% | 109.62% | 126.17% | 115.70% | 147.51% | +3,559 bps | |
| Non-Interest Burden | 12.30% | 5.12% | 6.14% | 15.08% | 13.11% | 5.14% | 4.68% | 5.75% | -933 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 43.16% | 36.45% | 33.10% | -20.54% | -21.20% | -20.03% | -18.24% | -10.06% | +1,047 bps | |
| Loan Growth (YoY) | 43.79% | 35.26% | 32.61% | -9.36% | -12.68% | -20.43% | -25.05% | -25.36% | -1,600 bps | |
| Deposit Growth (YoY) | 54.30% | 34.45% | 42.98% | -10.53% | -8.07% | -4.51% | -9.50% | -12.95% | -242 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 | 2.43% | -0.19% | 2.22% | 3.64% | 2.99% | 2.39% | 1.97% | 2.26% | -138 bps | |
| Allowance / Loans | 2.86% | 3.73% | 3.05% | 3.48% | 3.63% | 3.80% | 4.80% | 4.97% | +149 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 | 8.85% | 10.07% | 8.13% | 8.21% | 8.24% | 8.65% | 13.63% | 13.32% | +511 bps | |
| Equity / Assets | 14.03% | 14.38% | 13.01% | 6.96% | 6.85% | 6.69% | 9.95% | 9.58% | +263 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 101.33% | 105.82% | 100.86% | 96.96% | 96.24% | 88.18% | 83.54% | 83.14% | -1,382 bps | |
| Liquid Assets / Assets | 6.31% | 6.15% | 0.44% | 0.51% | 0.51% | 12.64% | 19.21% | 19.02% | +1,851 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |