PackageTrendsPeer
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Private Bank of California, The

Los Angeles, CA · Cert 58099

FDIC

Q2 2013

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: Q2 2013, the quarter ended June 30, 2013, 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

Private Bank of California, The

Los Angeles, CA · Cert 58099

FDIC

Q2 2013

$656.6MAssets
$396.1MLoans
$561.5MDeposits
$50.6MEquity
Loan mix
56%RE $185.6M39%C&I $129.8M4%Consumer $14.1MQ2 2012Q2 2013
Deposit mix
58%Interest-bearing $325.6M42%Noninterest $235.9MQ2 2012Q2 2013

NIM

3.32%Q2 ’112.97%Q2 ’122.84%Q2 ’13-11%-2%

Non-interest income vs. expense

2.63%Q2 ’112.39%Q2 ’122.75%Q2 ’13-10%+13%

Executive Summary

  • Earnings: ROA of 0.34%, unchanged from a year ago; NIM at 2.61%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.03%.
  • Funding: loans stand at 70.55% of deposits as of Q2 2013.

Financial Results

Return on Assets (YTD, annualized)

0.34%10 bps YoY

Net Interest Margin (YTD, annualized)

2.61%-6 bps YoY

Efficiency Ratio (YTD, annualized)

101.63%+1,366 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2012Q3 2012Q4 2012Q1 2013Q2 2013YoY ΔTrend
Earnings
Return on Assets0.34%10.33%10.34%10.26%10.34%10 bps
Return on Equity4.25%4.14%4.40%3.42%4.52%+27 bps
Net Interest Margin2.68%2.66%2.53%2.56%2.61%-6 bps
Efficiency Ratio87.97%87.56%89.57%93.51%101.63%+1,366 bps
Non-Interest Burden2.35%2.33%2.26%2.39%2.66%+31 bps
Growth
Asset Growth (YoY)29.95%20.84%19.39%5.21%2.80%-2,715 bps
Loan Growth (YoY)17.61%21.83%23.90%17.70%24.54%+694 bps
Deposit Growth (YoY)35.82%20.09%17.18%2.01%1.59%-3,423 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.04%0.08%0.04%-0.01%-0.03%+1 bps
Allowance / Loans1.84%1.79%1.75%1.82%1.86%+2 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 Capital14.84%14.74%14.08%13.95%13.95%-89 bps
Equity / Assets7.93%7.65%7.36%7.75%7.71%-22 bps
Liquidity & Funding
Loans / Deposits57.55%57.17%64.24%64.79%70.55%+1,300 bps
Liquid Assets / Assets0.51%1.31%0.45%0.53%0.89%+37 bps
CRE / Total Capitaln/an/an/an/an/an/an/a