Covina, CA · Cert 58286
FDIC
Q4 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2011, the quarter ended December 31, 2011, 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.
Covina, CA · Cert 58286
FDIC
Q4 2011
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 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.79% | -1.38% | -0.80% | -0.51% | -0.90% | -0.62% | -0.47% | -0.51% | 0 bps | |
| Return on Equity | -9.58% | -7.32% | -4.35% | -2.78% | -4.69% | -3.19% | -2.41% | -2.60% | +18 bps | |
| Net Interest Margin | 3.43% | 3.68% | 3.58% | 3.61% | 4.04% | 4.35% | 4.20% | 4.19% | +59 bps | |
| Efficiency Ratio | 132.28% | 127.68% | 115.74% | 111.16% | 92.57% | 99.72% | 100.38% | 103.41% | -775 bps | |
| Non-Interest Burden | 4.58% | 4.74% | 4.20% | 4.05% | 3.67% | 4.33% | 4.22% | 4.36% | +32 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -16.16% | -8.50% | -2.06% | 2.72% | -8.38% | -7.40% | -14.50% | -11.55% | -1,427 bps | |
| Loan Growth (YoY) | 47.61% | 44.50% | 50.36% | 36.95% | 23.77% | 15.87% | 12.26% | 4.06% | -3,289 bps | |
| Deposit Growth (YoY) | -5.06% | -10.31% | -11.81% | -13.00% | -10.12% | -7.88% | -2.15% | 3.04% | +1,604 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 | 0.21% | 0.10% | 0.06% | 0.79% | 0.00% | 0.42% | 0.26% | 0.20% | -59 bps | |
| Allowance / Loans | 2.34% | 2.36% | 2.15% | 1.60% | 2.08% | 1.90% | 1.82% | 1.88% | +28 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 | 34.48% | 32.50% | 32.40% | 30.92% | 30.69% | 31.37% | 29.06% | 28.87% | -205 bps | |
| Equity / Assets | 18.78% | 18.99% | 17.21% | 17.98% | 20.36% | 20.52% | 19.58% | 19.64% | +166 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 60.72% | 65.37% | 72.00% | 81.00% | 83.61% | 82.21% | 82.60% | 81.80% | +80 bps | |
| Liquid Assets / Assets | 18.38% | 29.28% | 1.65% | 7.34% | 6.06% | 7.81% | 3.86% | 4.71% | -263 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |