Long Beach, CA · Cert 58391
FDIC
Q4 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2012, the quarter ended December 31, 2012, 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.
Long Beach, CA · Cert 58391
FDIC
Q4 2012
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 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.37% | -1.38% | -1.02% | -0.98% | -1.50% | -2.18% | -4.15% | -6.50% | -552 bps | |
| Return on Equity | -4.68% | -4.96% | -3.76% | -3.69% | -6.22% | -9.02% | -16.16% | -24.16% | -2,047 bps | |
| Net Interest Margin | 4.92% | 4.77% | 4.71% | 4.81% | 4.84% | 4.67% | 6.74% | 7.10% | +229 bps | |
| Efficiency Ratio | 128.50% | 117.47% | 113.69% | 114.64% | 131.08% | 141.87% | n/a | n/a | n/a | |
| Non-Interest Burden | 6.33% | 5.61% | 5.36% | 5.52% | 6.36% | 6.63% | 14.16% | 20.22% | +1,471 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.10% | 16.68% | 34.31% | 15.28% | 18.40% | -1.43% | -32.55% | -44.50% | -5,978 bps | |
| Loan Growth (YoY) | 18.79% | 34.93% | 42.44% | 28.70% | -1.32% | -4.37% | -98.55% | -99.30% | -12,800 bps | |
| Deposit Growth (YoY) | -21.32% | -7.31% | 54.76% | 24.80% | 28.38% | -6.50% | -45.93% | -59.47% | -8,427 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 | -0.01% | -0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 100.00% | +10,000 bps | |
| Allowance / Loans | 3.49% | 3.72% | 3.79% | 3.65% | 3.84% | 4.03% | 50.00% | 0.00% | -365 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 | 33.21% | 32.72% | 32.89% | 31.47% | 33.00% | 39.06% | 806% | 1668% | +163,605 bps | |
| Equity / Assets | 28.96% | 25.21% | 24.89% | 24.97% | 23.46% | 24.18% | 32.38% | 34.95% | +998 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 126.22% | 107.27% | 103.58% | 108.84% | 97.01% | 109.71% | 2.78% | 1.87% | -10,696 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 13.96% | 9.80% | 18.73% | 15.46% | 84.73% | 95.63% | +8,582 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |