Long Beach, CA · Cert 58391
FDIC
Q4 2012
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | -1.41% | -0.33% | -0.87% | -1.50% | -2.82% | -8.58% | -17.19% | -1,631 bps | |
| Return on Equity | -4.68% | -5.24% | -1.33% | -3.50% | -6.22% | -11.86% | -31.18% | -51.26% | -4,775 bps | |
| Net Interest Margin | 4.92% | 5.16% | 4.97% | 5.08% | 4.84% | 4.48% | 10.27% | -3.14% | -822 bps | |
| Efficiency Ratio | 128.50% | 108.12% | 106.72% | 117.28% | 131.08% | 153.56% | n/a | n/a | n/a | |
| Non-Interest Burden | 6.33% | 5.58% | 5.31% | 5.96% | 6.36% | 6.89% | 28.33% | 14.65% | +869 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% | 0.00% | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 400% | +40,000 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 |