Covina, CA · Cert 58286
FDIC
Q4 2011
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | -0.95% | 0.27% | 0.34%1 | -0.90% | -0.34% | -0.17% | -0.62% | -96 bps | |
| Return on Equity | -9.58% | -5.05% | 1.52% | 1.92% | -4.69% | -1.68% | -0.85% | -3.16% | -508 bps | |
| Net Interest Margin | 3.43% | 3.79% | 3.76% | 3.97% | 4.04% | 4.22% | 4.21% | 4.20% | +23 bps | |
| Efficiency Ratio | 132.28% | 123.31% | 96.63% | 98.97% | 92.57% | 108.19% | 101.75% | 111.63% | +1,266 bps | |
| Non-Interest Burden | 4.58% | 4.71% | 3.61% | 3.93% | 3.67% | 4.60% | 4.29% | 4.82% | +89 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% | 0.00% | 0.00% | 2.99% | 0.00% | 0.84% | 0.00% | -0.01% | -300 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 |