Arcadia, CA · Cert 57198
FDIC
Q4 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | -1.63% | -0.36% | -0.63% | 0.22% | -1.26% | 0.52% | 0.55% | +118 bps | |
| Return on Equity | -12.88% | -12.28% | -2.47% | -4.18% | 1.49% | -8.65% | 3.75% | 4.00% | +819 bps | |
| Net Interest Margin | 1.56% | 2.10% | 2.14% | 2.37% | 2.75% | 2.92% | 2.99% | 2.99% | +62 bps | |
| Efficiency Ratio | 170.11% | 127.15% | 109.12% | 104.93% | 83.27% | 92.43% | 79.53% | 82.21% | -2,272 bps | |
| Non-Interest Burden | 2.77% | 2.74% | 2.35% | 2.50% | 2.26% | 2.68% | 2.36% | 2.44% | -6 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% | 0.28% | 0.00% | 0.00% | 0.00% | 1.71% | 0.38% | 0.00% | 0 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 |