Pasadena, CA · Cert 57148
FDIC
Q3 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -9.63% | -6.19% | -6.89% | -31.61% | -1.12% | -1.65% | -3.64% | -4.63% | +2,698 bps | |
| Return on Equity | -64.69% | -43.54% | -50.28% | -308% | -16.26% | -24.43% | -43.79% | -47.41% | +26,103 bps | |
| Net Interest Margin | 4.12% | 4.22% | 3.99% | 4.36% | 4.29% | 3.93% | 3.73% | 3.66% | -70 bps | |
| Efficiency Ratio | 98.32% | 113.24% | 357% | 64.63% | 102.61% | 126.17% | 106.17% | 370% | +30,568 bps | |
| Non-Interest Burden | 4.18% | 5.12% | 7.07% | 31.27% | 4.73% | 5.14% | 4.19% | 7.25% | -2,402 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 | 6.85% | -0.19% | 4.62% | 6.11% | 0.60% | 2.39% | 1.37% | 2.48% | -363 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 |