Los Angeles, CA · Cert 57332
FDIC
Q1 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2009, the quarter ended March 31, 2009, 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.
Los Angeles, CA · Cert 57332
FDIC
Q1 2009
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 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.84% | 0.73% | 0.41% | 0.03%1 | -0.27% | -1.17% | -6.90% | -6.34% | -637 bps | |
| Return on Equity | 6.94% | 6.09% | 3.47% | 0.26% | -2.62% | -11.46% | -74.84% | -153.56% | -15,382 bps | |
| Net Interest Margin | 4.33% | 4.28% | 4.10% | 3.71% | 3.46% | 3.32% | 3.11% | 1.65% | -206 bps | |
| Efficiency Ratio | 63.01% | 65.22% | 68.55% | 74.36% | 74.09% | 76.64% | 82.20% | 121.40% | +4,704 bps | |
| Non-Interest Burden | 2.14% | 2.22% | 2.37% | 2.53% | 2.33% | 2.35% | 2.41% | 2.14% | -40 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.43% | 6.99% | 14.46% | 22.33% | 20.43% | 9.95% | -0.46% | 7.26% | -1,507 bps | |
| Loan Growth (YoY) | 21.96% | 14.78% | 18.28% | 20.06% | 14.86% | 13.18% | 2.03% | -6.76% | -2,682 bps | |
| Deposit Growth (YoY) | 2.98% | 4.69% | 7.11% | 12.29% | 17.06% | 5.70% | 0.36% | 15.99% | +370 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 | 0.74% | 0.80% | 0.71% | 0.86% | 1.01% | 2.17% | 6.39% | -1.21% | -207 bps | |
| Allowance / Loans | 1.09% | 1.21% | 1.59% | 1.64% | 2.06% | 2.44% | 5.09% | 7.47% | +583 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 | 14.70% | 14.02% | 13.58% | 12.82% | 12.46% | 11.76% | 7.31% | 5.55% | -727 bps | |
| Equity / Assets | 12.01% | 11.48% | 11.01% | 10.51% | 9.86% | 9.42% | 5.14% | 3.24% | -727 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 99.23% | 95.70% | 104.49% | 105.13% | 97.37% | 102.47% | 106.22% | 84.50% | -2,062 bps | |
| Liquid Assets / Assets | 0.01% | 0.00% | 0.00% | 0.01% | 0.00% | 0.01% | 0.00% | 7.76% | +774 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |