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Capitalsource Bank

Pasadena, CA · Cert 58878

FDIC

Q1 2014

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2014, the quarter ended March 31, 2014, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Capitalsource Bank

Pasadena, CA · Cert 58878

FDIC

Q1 2014

$8.3BAssets
$7.0BLoans
$6.2BDeposits
$1.3BEquity
Deposit mix
100%Interest-bearing $6.2B0%Noninterest $0.0BQ1 2013Q1 2014

NIM

5.92%Q1 ’125.70%Q1 ’135.39%Q1 ’14-2%-6%

Non-interest income vs. expense

2.25%Q1 ’121.84%Q1 ’131.87%Q1 ’14-8%-12%

Executive Summary

  • Earnings: ROA of 1.81%, down 5 bps year over year; NIM at 4.59%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.34%.
  • Funding: loans stand at 111.81% of deposits as of Q1 2014.

Financial Results

Return on Assets (YTD, annualized)

1.81%-5 bps YoY

Net Interest Margin (YTD, annualized)

4.59%-31 bps YoY

Efficiency Ratio (YTD, annualized)

36.74%+130 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2013Q2 2013Q3 2013Q4 2013Q1 2014YoY ΔTrend
Earnings
Return on Assets1.86%1.71%1.79%1.82%1.81%-5 bps
Return on Equity12.39%11.42%11.96%12.06%11.80%-59 bps
Net Interest Margin4.90%4.77%4.73%4.76%4.59%-31 bps
Efficiency Ratio35.44%37.79%37.14%36.66%36.74%+130 bps
Non-Interest Burden1.55%1.62%1.59%1.58%1.37%-18 bps
Growth
Asset Growth (YoY)7.49%10.66%8.88%9.59%9.71%+222 bps
Loan Growth (YoY)16.24%19.22%21.84%19.21%19.28%+304 bps
Deposit Growth (YoY)7.18%8.91%9.32%9.83%8.67%+149 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.15%0.13%0.12%0.09%0.34%+19 bps
Allowance / Loans1.71%1.69%1.65%1.63%1.54%-17 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital16.68%16.18%16.28%16.29%16.06%-62 bps
Equity / Assets15.04%14.90%15.10%15.30%15.32%+29 bps
Liquidity & Funding
Loans / Deposits101.87%106.11%105.90%109.31%111.81%+994 bps
Liquid Assets / Assets4.67%2.76%2.71%1.60%0.98%-369 bps
CRE / Total Capitaln/an/an/an/an/an/an/a