Irvine, CA · Cert 57893
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.
Irvine, CA · Cert 57893
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 | -1.18% | -0.80% | -2.61% | -0.48% | -0.36% | -3.06% | -8.17% | -12.96% | -1,248 bps | |
| Return on Equity | -5.08% | -3.56% | -12.29% | -2.92% | -2.23% | -20.36% | -61.93% | -251% | -24,803 bps | |
| Net Interest Margin | 4.96% | 5.12% | 4.53% | 4.27% | 3.66% | 3.06% | 2.46% | 1.18% | -309 bps | |
| Efficiency Ratio | 122.03% | 113.15% | 113.96% | 100.23% | 102.68% | 122.83% | 152.23% | 427% | +32,627 bps | |
| Non-Interest Burden | 6.11% | 5.85% | 5.24% | 4.28% | 3.79% | 3.94% | 4.04% | 5.48% | +120 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 23.21% | 26.53% | 32.60% | 27.66% | 29.22% | 35.15% | 22.07% | 13.32% | -1,434 bps | |
| Loan Growth (YoY) | 35.74% | 40.17% | 54.40% | 44.16% | 51.22% | 36.79% | 22.47% | 4.94% | -3,922 bps | |
| Deposit Growth (YoY) | 33.35% | 31.06% | 38.37% | 31.28% | 33.66% | 48.67% | 42.13% | 34.03% | +275 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 | 0.18% | 0.10% | 0.42% | 0.18% | 0.82% | 0.87% | 1.35% | 26.43% | +2,625 bps | |
| Allowance / Loans | 1.08% | 0.96% | 2.34% | 2.28% | 1.80% | 2.95% | 7.36% | 4.21% | +194 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 | 30.65% | 27.79% | 21.34% | 19.95% | 19.05% | 14.85% | 9.64% | 5.36% | -1,459 bps | |
| Equity / Assets | 22.52% | 20.75% | 16.86% | 16.10% | 15.71% | 11.99% | 6.68% | 3.61% | -1,249 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 99.25% | 110.75% | 109.11% | 109.18% | 112.29% | 101.90% | 94.02% | 85.48% | -2,370 bps | |
| Liquid Assets / Assets | 5.12% | 0.08% | 0.46% | 1.30% | 0.35% | 1.85% | 2.23% | 2.77% | +147 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |