Pasadena, CA · Cert 58674
FDIC
Q1 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2012, the quarter ended March 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.
Pasadena, CA · Cert 58674
FDIC
Q1 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 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -8.66% | -6.39% | 0.01% | -0.75% | 0.33% | -0.24% | -0.08% | -0.94% | -19 bps | |
| Return on Equity | -32.66% | -25.73% | 0.05% | -6.64% | 2.74% | -1.91% | -0.62% | -6.41% | +23 bps | |
| Net Interest Margin | 1.87% | 2.07% | 2.18% | 4.18% | 5.88% | 6.14% | 6.16% | 4.28% | +11 bps | |
| Efficiency Ratio | 367% | 281% | 82.47% | 107.47% | 90.70% | 88.71% | 81.70% | 149.34% | +4,187 bps | |
| Non-Interest Burden | 6.98% | 5.91% | 0.82% | 4.63% | 5.52% | 5.60% | 5.06% | 6.85% | +223 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 112.43% | 95.51% | 581% | 399% | 333% | 291% | -23.55% | -21.46% | -42,093 bps | |
| Loan Growth (YoY) | 1008% | 219% | 1074% | 824% | 517% | 397% | -14.78% | -10.85% | -83,465 bps | |
| Deposit Growth (YoY) | 331% | 217% | 831% | 483% | 384% | 326% | -26.88% | -24.38% | -50,772 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 | -0.14% | -0.08% | -0.01% | 0.01% | -0.19% | 0.11% | 0.91% | 0.07% | +6 bps | |
| Allowance / Loans | 4.00% | 3.64% | 0.59% | 0.75% | 0.79% | 1.60% | 1.40% | 1.14% | +39 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 | 36.29% | 32.62% | 15.62% | 16.26% | 17.90% | 19.32% | 19.22% | 18.98% | +272 bps | |
| Equity / Assets | 22.56% | 20.55% | 11.02% | 11.59% | 13.62% | 13.75% | 14.50% | 14.71% | +311 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 63.23% | 64.80% | 71.98% | 73.59% | 80.60% | 75.68% | 83.88% | 86.75% | +1,316 bps | |
| Liquid Assets / Assets | 32.64% | 33.99% | 22.60% | 25.49% | 19.24% | 25.45% | 17.87% | 18.93% | -655 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |