Arcadia, CA · Cert 57198
FDIC
Q4 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2010, the quarter ended December 31, 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.
Arcadia, CA · Cert 57198
FDIC
Q4 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 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.73% | -1.68% | -1.20% | -1.04% | 0.22% | -0.52% | -0.16% | 0.02% | +106 bps | |
| Return on Equity | -12.88% | -12.41% | -8.54% | -7.36% | 1.49% | -3.57% | -1.14% | 0.15% | +751 bps | |
| Net Interest Margin | 1.56% | 1.79% | 1.80% | 1.88% | 2.75% | 2.83% | 2.81% | 2.84% | +96 bps | |
| Efficiency Ratio | 170.11% | 144.83% | 131.03% | 123.01% | 83.27% | 87.95% | 85.00% | 84.27% | -3,874 bps | |
| Non-Interest Burden | 2.77% | 2.68% | 2.41% | 2.35% | 2.26% | 2.47% | 2.37% | 2.37% | +2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.64% | 18.14% | 27.32% | 29.24% | 23.57% | 15.88% | 10.44% | 5.41% | -2,383 bps | |
| Loan Growth (YoY) | 23.64% | 19.34% | 8.64% | 7.95% | 19.40% | 15.16% | 11.60% | 14.66% | +670 bps | |
| Deposit Growth (YoY) | 4.52% | 20.00% | 27.90% | 28.32% | 21.09% | 15.19% | 12.77% | 6.30% | -2,202 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 | 0.82% | 0.53% | 0.35% | 0.26% | 0.00% | 0.86% | 0.72% | 0.51% | +25 bps | |
| Allowance / Loans | 1.26% | 1.41% | 1.47% | 1.61% | 1.54% | 1.54% | 1.54% | 1.47% | -14 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 | 16.44% | 17.68% | 20.72% | 20.40% | 19.46% | 18.35% | 18.46% | 17.90% | -249 bps | |
| Equity / Assets | 13.03% | 13.55% | 15.47% | 14.60% | 14.83% | 14.23% | 13.74% | 13.89% | -71 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.39% | 93.54% | 86.96% | 83.66% | 94.05% | 93.52% | 86.06% | 90.23% | +658 bps | |
| Liquid Assets / Assets | 6.02% | 5.53% | 7.16% | 1.58% | 1.26% | 2.69% | 3.77% | 6.48% | +490 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |