Woodland Hills, CA · Cert 58087
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 | -0.77% | 0.08% | -0.38% | -0.55% | -2.75% | -15.54% | -9.08% | -16.11% | -1,556 bps | |
| Return on Equity | -8.51% | 0.96% | -4.74% | -6.60% | -33.06% | -239% | -160.69% | -460% | -45,321 bps | |
| Net Interest Margin | 2.89% | 2.83% | 2.93% | 2.87% | 2.93% | 2.91% | 3.08% | 2.95% | +8 bps | |
| Efficiency Ratio | 90.74% | 93.74% | 97.37% | 100.42% | 121.59% | 169.52% | 173.55% | 198.17% | +9,775 bps | |
| Non-Interest Burden | 2.59% | 2.63% | 2.85% | 2.89% | 3.61% | 5.06% | 5.51% | 6.06% | +317 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 32.91% | 17.83% | 0.76% | -2.78% | -12.71% | -12.46% | -10.59% | -17.58% | -1,479 bps | |
| Loan Growth (YoY) | 35.72% | 23.81% | 11.76% | -2.82% | -6.19% | -7.24% | -17.26% | -23.11% | -2,029 bps | |
| Deposit Growth (YoY) | 34.01% | 19.89% | 0.02% | -1.67% | -10.21% | -4.68% | -2.33% | -4.75% | -308 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 | 0.65% | 1.28% | 0.59% | 0.74% | 2.25% | 6.55% | 4.72% | 15.08% | +1,434 bps | |
| Allowance / Loans | 1.60% | 1.32% | 1.57% | 1.66% | 2.07% | 4.19% | 4.13% | 5.28% | +361 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 | 10.25% | 10.27% | 10.22% | 11.21% | 10.50% | 6.41% | 5.70% | -4.44% | -1,564 bps | |
| Equity / Assets | 8.17% | 8.15% | 8.01% | 8.85% | 8.47% | 4.58% | 3.97% | -3.53% | -1,238 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 98.25% | 96.29% | 97.45% | 90.78% | 102.65% | 93.71% | 82.55% | 73.29% | -1,750 bps | |
| Liquid Assets / Assets | 3.54% | 1.22% | 1.02% | 0.26% | 0.22% | 0.29% | 3.33% | 3.68% | +341 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |