Anaheim, CA · Cert 57231
FDIC
Q2 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2012, the quarter ended June 30, 2012, 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.
Anaheim, CA · Cert 57231
FDIC
Q2 2012
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 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.27% | 0.27% | 0.43% | 0.51% | 0.42% | 0.36% | 0.41% | 0.57% | +6 bps | |
| Return on Equity | 2.58% | 2.60% | 4.74% | 5.52% | 4.40% | 3.76% | 4.58% | 6.02% | +50 bps | |
| Net Interest Margin | 3.24% | 2.63% | 2.72% | 2.79% | 2.79% | 2.61% | 2.98% | 3.11% | +31 bps | |
| Efficiency Ratio | 73.07% | 75.21% | 72.55% | 71.85% | 69.49% | 72.11% | 67.00% | 67.35% | -450 bps | |
| Non-Interest Burden | 2.26% | 1.88% | 1.52% | 1.54% | 1.57% | 1.60% | 1.81% | 1.84% | +31 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.55% | 17.79% | 22.75% | 22.31% | 4.71% | 3.30% | 7.51% | -8.17% | -3,048 bps | |
| Loan Growth (YoY) | -7.32% | -6.70% | -7.86% | -5.53% | -3.90% | -0.33% | -0.67% | -3.41% | +212 bps | |
| Deposit Growth (YoY) | 17.07% | 24.61% | 25.24% | 31.92% | 5.08% | 5.18% | 7.58% | -10.11% | -4,203 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 | 0.31% | 0.41% | 0.62% | 0.30% | 0.90% | 0.79% | 0.30% | 0.23% | -6 bps | |
| Allowance / Loans | 2.50% | 2.50% | 2.59% | 2.64% | 2.39% | 2.44% | 2.62% | 2.60% | -4 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 | 12.92% | 13.19% | 13.04% | 13.42% | 13.28% | 13.79% | 14.26% | 14.74% | +131 bps | |
| Equity / Assets | 10.03% | 9.88% | 8.28% | 9.75% | 10.03% | 9.95% | 8.05% | 11.12% | +137 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.45% | 83.89% | 64.44% | 77.56% | 79.97% | 79.49% | 59.50% | 83.34% | +579 bps | |
| Liquid Assets / Assets | 0.46% | 2.90% | 3.42% | 3.74% | 3.80% | 15.62% | 35.10% | 13.45% | +972 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |