Fullerton, CA · Cert 57566
FDIC
Q3 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2013, the quarter ended September 30, 2013, 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.
Fullerton, CA · Cert 57566
FDIC
Q3 2013
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 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.26% | 0.40% | 0.51%1 | 0.63% | 0.74% | 0.37% | 0.27% | 0.15% | -48 bps | |
| Return on Equity | 2.42% | 3.34% | 4.28% | 5.23% | 6.10% | 2.99% | 2.22% | 1.27% | -396 bps | |
| Net Interest Margin | 3.95% | 4.13% | 4.18% | 4.04% | 3.89% | 3.55% | 3.62% | 3.62% | -42 bps | |
| Efficiency Ratio | 68.44% | 81.76% | 81.81% | 79.88% | 78.54% | 85.47% | 88.96% | 93.67% | +1,379 bps | |
| Non-Interest Burden | 2.34% | 3.25% | 3.29% | 3.09% | 2.89% | 2.92% | 3.15% | 3.36% | +27 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.73% | -21.93% | -3.98% | -0.33% | 4.92% | 3.00% | -2.65% | 1.29% | +162 bps | |
| Loan Growth (YoY) | -0.80% | -5.41% | -1.47% | -0.43% | 1.16% | -1.13% | -4.37% | 9.50% | +993 bps | |
| Deposit Growth (YoY) | -2.54% | -20.98% | -5.75% | -1.68% | 4.75% | 2.96% | -2.55% | -9.73% | -805 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 | 0.97% | 1.48% | 1.06% | 0.73% | 0.55% | 0.10% | 0.05% | 0.12% | -60 bps | |
| Allowance / Loans | 3.16% | 2.99% | 2.87% | 2.94% | 2.88% | 2.97% | 2.98% | 2.58% | -36 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 | 18.30% | 18.56% | 18.53% | 18.84% | 19.40% | 19.73% | 19.79% | 18.06% | -79 bps | |
| Equity / Assets | 11.94% | 12.10% | 11.94% | 12.22% | 12.10% | 12.41% | 12.38% | 11.81% | -41 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 72.90% | 72.08% | 72.66% | 71.50% | 70.41% | 69.21% | 71.30% | 86.74% | +1,523 bps | |
| Liquid Assets / Assets | 10.43% | 8.50% | 9.03% | 6.10% | 4.24% | 4.72% | 3.68% | 1.24% | -485 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |