PackageTrendsPeer
Letter portraitLegal landscape

Western Commercial Bank

Woodland Hills, CA · Cert 58087

FDIC

Q3 2010

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2010, the quarter ended September 30, 2010, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Western Commercial Bank

Woodland Hills, CA · Cert 58087

FDIC

Q3 2010

$98.6MAssets
$74.1MLoans
$101.1MDeposits
$-3483KEquity
Loan mix
40%RE $20.1M59%C&I $29.6M0%Consumer $0.0MQ3 2009Q3 2010
Deposit mix
80%Interest-bearing $81.1M20%Noninterest $20.0MQ3 2009Q3 2010

NIM

5.93%Q3 ’085.33%Q3 ’094.41%Q3 ’10-4%+3%

Non-interest income vs. expense

3.04%Q3 ’083.42%Q3 ’096.28%Q3 ’10+7%+110%

Executive Summary

  • Earnings: ROA of -16.11%, down 1,556 bps year over year; NIM at 2.95%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 15.08%.
  • Funding: loans stand at 73.29% of deposits as of Q3 2010.

Financial Results

Return on Assets (YTD, annualized)

-16.11%-1,556 bps YoY

Net Interest Margin (YTD, annualized)

2.95%+8 bps YoY

Efficiency Ratio (YTD, annualized)

198.17%+9,775 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2009Q4 2009Q1 2010Q2 2010Q3 2010YoY ΔTrend
Earnings
Return on Assets-0.55%-2.75%-15.54%-9.08%-16.11%-1,556 bps
Return on Equity-6.60%-33.06%-239%-160.69%-460%-45,321 bps
Net Interest Margin2.87%2.93%2.91%3.08%2.95%+8 bps
Efficiency Ratio100.42%121.59%169.52%173.55%198.17%+9,775 bps
Non-Interest Burden2.89%3.61%5.06%5.51%6.06%+317 bps
Growth
Asset Growth (YoY)-2.78%-12.71%-12.46%-10.59%-17.58%-1,479 bps
Loan Growth (YoY)-2.82%-6.19%-7.24%-17.26%-23.11%-2,029 bps
Deposit Growth (YoY)-1.67%-10.21%-4.68%-2.33%-4.75%-308 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.74%2.25%6.55%4.72%15.08%+1,434 bps
Allowance / Loans1.66%2.07%4.19%4.13%5.28%+361 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital11.21%10.50%6.41%5.70%-4.44%-1,564 bps
Equity / Assets8.85%8.47%4.58%3.97%-3.53%-1,238 bps
Liquidity & Funding
Loans / Deposits90.78%102.65%93.71%82.55%73.29%-1,750 bps
Liquid Assets / Assets0.26%0.22%0.29%3.33%3.68%+341 bps
CRE / Total Capitaln/an/an/an/an/an/an/a