Westminster, CA · Cert 57885
FDIC
Q3 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 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -6.61% | -4.38% | -5.22% | -4.98% | -4.93% | -5.14% | -4.15% | -4.98% | 0 bps | |
| Return on Equity | -45.24% | -48.31% | -64.28% | -69.28% | -74.40% | -132.77% | -117.30% | -165.27% | -9,600 bps | |
| Net Interest Margin | 2.66% | 1.75% | 2.02% | 1.82% | 1.90% | 1.97% | 2.00% | 2.73% | +91 bps | |
| Efficiency Ratio | 231% | 316% | 235% | 218% | 224% | 296% | 263% | 225% | +652 bps | |
| Non-Interest Burden | 6.61% | 6.06% | 5.71% | 5.06% | 5.69% | 6.15% | 5.93% | 6.49% | +143 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.45% | 15.48% | 9.97% | 20.07% | 7.33% | -11.23% | -10.23% | -26.37% | -4,644 bps | |
| Loan Growth (YoY) | 23.35% | 24.16% | 15.55% | 0.68% | -7.60% | -27.35% | -26.92% | -25.61% | -2,630 bps | |
| Deposit Growth (YoY) | 18.99% | 26.56% | 21.77% | 32.36% | 14.52% | -6.42% | -6.62% | -23.63% | -5,599 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 | 1.67% | 0.00% | 1.08% | 0.78% | 0.68% | 1.43% | 2.38% | 5.41% | +463 bps | |
| Allowance / Loans | 2.32% | 2.15% | 2.39% | 3.26% | 3.44% | 4.04% | 3.20% | 1.87% | -139 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 | 12.22% | 10.85% | 9.27% | 8.42% | 6.99% | 5.95% | 4.80% | 2.83% | -560 bps | |
| Equity / Assets | 10.09% | 8.14% | 6.29% | 4.79% | 4.26% | 3.45% | 2.82% | 1.27% | -352 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.72% | 91.67% | 90.82% | 72.52% | 77.23% | 71.17% | 71.08% | 70.64% | -188 bps | |
| Liquid Assets / Assets | 2.87% | 2.55% | 2.15% | 1.91% | 0.00% | 0.00% | 0.64% | 0.29% | -162 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |