Los Angeles, CA · Cert 58099
FDIC
Q2 2013
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Los Angeles, CA · Cert 58099
FDIC
Q2 2013
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 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.42% | 0.38% | 0.31%1 | 0.34%1 | 0.33%1 | 0.34%1 | 0.26%1 | 0.34%1 | 0 bps | |
| Return on Equity | 4.83% | 4.44% | 3.83% | 4.25% | 4.14% | 4.40% | 3.42% | 4.52% | +27 bps | |
| Net Interest Margin | 2.73% | 2.60% | 2.76% | 2.68% | 2.66% | 2.53% | 2.56% | 2.61% | -6 bps | |
| Efficiency Ratio | 82.37% | 83.49% | 86.66% | 87.97% | 87.56% | 89.57% | 93.51% | 101.63% | +1,366 bps | |
| Non-Interest Burden | 2.25% | 2.17% | 2.38% | 2.35% | 2.33% | 2.26% | 2.39% | 2.66% | +31 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 43.72% | 37.00% | 38.64% | 29.95% | 20.84% | 19.39% | 5.21% | 2.80% | -2,715 bps | |
| Loan Growth (YoY) | 45.06% | 40.28% | 36.08% | 17.61% | 21.83% | 23.90% | 17.70% | 24.54% | +694 bps | |
| Deposit Growth (YoY) | 45.69% | 29.80% | 47.87% | 35.82% | 20.09% | 17.18% | 2.01% | 1.59% | -3,423 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 | 0.06% | 0.03% | -0.04% | -0.04% | 0.08% | 0.04% | -0.01% | -0.03% | +1 bps | |
| Allowance / Loans | 1.67% | 1.76% | 1.81% | 1.84% | 1.79% | 1.75% | 1.82% | 1.86% | +2 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 | 16.69% | 15.80% | 15.22% | 14.84% | 14.74% | 14.08% | 13.95% | 13.95% | -89 bps | |
| Equity / Assets | 8.61% | 8.24% | 7.74% | 7.93% | 7.65% | 7.36% | 7.75% | 7.71% | -22 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 56.35% | 60.76% | 56.16% | 57.55% | 57.17% | 64.24% | 64.79% | 70.55% | +1,300 bps | |
| Liquid Assets / Assets | 0.52% | 0.39% | 0.57% | 0.51% | 1.31% | 0.45% | 0.53% | 0.89% | +37 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |