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Torrance, California 90501
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Failed Bank History Report
If you had been a subscriber to the IRA Bank Monitor when would you have known?
  

This institution did not file a CALL/TFR in the most recent FFIEC reporting cycle.
The most recent data available in our database is shown.
First Regional Bank, member of holding company FIRST REGIONAL BANCORP
as of December-2009
1801 CENTURY PARK EAST LOS ANGELES, CA, 90067
Data Source: IRA Bank Monitor.  Data in thousands unless otherwise noted.  Copyright 2011 Lord, Whalen LLC All Rights Reserved
Counterparty Quality Score (CQS) Report



IRA Counterparty Quality Analysis
Historial CQS Scores
  - IRA Bank Stress Index (BSI) Factor
  - Asset Quality Trouble Factor
  - FDIC Moral Hazard Factor
December
2009


3
22.8
29.3
10.3

September
2009


3
23.1
26.7
7.8

June
2009


3
21.4
16.5
4.6

March
2009


4
20.6
14.9
0.0

December
2008


4
21.2
11.5
2.4

September
2008


5
21.2
3.6
3.7

June
2008


5
21.5
3.6
8.5

March
2008


7
0.7
1.9
14.1

December
2007


8
0.6
1.5
6.2

September
2007


8
0.6
0.0
7.1

June
2007


8
0.6
0.0
6.8

March
2007


8
0.6
0.0
8.4

IRA Counterparty Quality Scores range from 8 (best) to 1 (worst).
Historical Performance Table



IRA Bank Stress Benchmarks
Grade
Stress Index Number
ROA, %
ROE, %
Efficiency Ratio
Goodwill Writedowns

Capital Ratios
T1/RWA
RBC/RWA
T1/ASSET
Risk Based Capital, Total
Tier 1 RBC
Risk Weighted Assets, Total

Basel II Benchmarks
Bond Equivalent Defaults, Method 1
B.E.D., Method 2
Default Rate, bp
LGD: Loss Given Default, %
M: Wt. Avg. Maturity, yr
EAD: Exposure At Default, %

Economic Capital Analysis
EC
RAROC, %
Tier 1 RBC
T1RBC to EC Leverage
Bank Tangible Common Equity
Percent of Tangible Assets (TCE Ratio)
TCE to EC Leverage

Regulatory Watch Points
Net Income, Period
Total Assets
Lending Assets
Trading Assets
Other Assets (incl. Prepaid Assessments)

Securities Assets

Net Interest Income, YTD
Earning Assets, Total
Net Interest Margin, Current Qtr - Annualized
NIMY, from FDIC 5YR METHOD

Total Deposits
Brokered Deposits
Reciprocal Brokered Deposits
Volatile Liabilities, per FDIC
FHLB Advances

FHLB Advances-to-Assets, percent
Brokered to Total Deposits, percent
FHLB+BRO+VOLIAB to Assets, percent

Gross Defaults, Actual
Provision for Loan Losses, Income Statement
Actual-to-Provision Ratio
Balance Sheet Allowances for Loan Losses

Gross Defaults, Total
30-89 Day Assets, Total
  Guaranteed Portion of 30-89
Over 90 Assets, Total
  Guaranteed Portion of Over 90
Non-Accrual Assets, Total
  Guaranteed Portion of NA
Real Estate Owned (REO)
Total Troubled Assets
Troubled Assets % of Total Assets
   % factored for less 80% GTY Offsets
Non-Conforming Assets, Reported

Off Balance Sheet Derivatives, Notional
Loss Realization Margin to RBC, bp

December
2009


F
22.8
-0.0058
-0.10
113.6%
0

Fail
5.8%
7.1%
5.8%
$146,618
$120,281
$2,066,501


B
CCC
618.1
99.69
0.31
10.9


$278,818
-47.09%
$120,281
0.4:1
$74,428
3.58%
0.27:1


$-120
$2,082,684
$1,944,151
$0
$75,670

$6,650

$61,413
$1,913,499
3.21%
2.85%

$1,664,450
$249,460
$268
$677,259
$214,000

10.28%
14.99%
54.77%

$120,169
$124,982
0.96:1
$66,522

$120,169
$55,599
$0
$13,675
$0
$350,584
$0
$70,245
$610,272
29.30%
29.30%
$364,259

-
-

September
2009


F
23.1
-0.0067
-0.11
97.6%
0

Fail
6.2%
7.5%
6.0%
$157,146
$130,420
$2,106,425


B
CCC
751.3
99.81
0.32
11.5


$267,067
-43.41%
$130,420
0.5:1
$71,528
3.28%
0.27:1


$-110
$2,184,100
$2,002,564
$0
$73,124

$30,588

$47,541
$2,010,362
3.15%
2.86%

$1,861,537
$417,402
$5,923
$618,154
$170,000

7.78%
22.42%
55.20%

$112,836
$109,082
1.03:1
$57,798

$112,836
$85,599
$0
$748
$77
$310,420
$0
$73,156
$582,759
26.68%
26.68%
$311,168

-
-

June
2009


F
21.4
-0.0015
-0.02
89.0%
0

Adequate
9.6%
10.8%
9.4%
$251,898
$222,305
$2,322,466


BB
B
229.8
99.69
0.33
12.2


$131,772
-18.88%
$222,305
1.7:1
$200,437
8.46%
1.52:1


$-18
$2,374,183
$2,246,024
$0
$92,412

$27,001

$33,620
$2,231,290
3.01%
2.92%

$2,014,087
$524,513
$7,094
$564,844
$110,000

4.63%
26.04%
50.52%

$25,802
$38,837
0.66:1
$74,451

$25,802
$50,773
$0
$17,727
$148
$274,327
$0
$22,472
$391,101
16.47%
16.47%
$292,054

-
-

March
2009


F
20.6
-0.0002
-0.00
84.4%
0

Adequate
9.9%
11.1%
9.7%
$269,766
$238,996
$2,423,083


A
AA
11.6
99.40
0.33
15.0


$129,610
0.56%
$238,996
1.8:1
$226,972
9.18%
1.75:1


$-1
$2,476,570
$2,318,108
$0
$88,735

$27,166

$17,062
$2,346,389
2.91%
2.91%

$2,210,858
$707,687
$0
$457,097
-

-
32.01%
47.03%

$672
$7,596
0.09:1
$68,264

$672
$126,522
$0
$18,145
$0
$210,041
$0
$12,652
$368,032
14.86%
14.86%
$228,186

-
-

December
2008


F
21.2
-0.0006
-0.01
50.9%
0

Adequate
8.9%
10.2%
9.1%
$256,720
$224,782
$2,518,894


BB
B
206.8
99.96
0.40
17.7


$130,986
-2.01%
$224,782
1.7:1
$215,186
8.76%
1.64:1


$-15
$2,461,291
$2,340,564
$0
$85,006

$24,727

$100,955
$2,343,416
4.31%
4.48%

$2,150,888
$650,617
$0
$446,799
$60,000

2.44%
30.25%
47.02%

$48,407
$91,839
0.53:1
$66,223

$48,407
$112,788
$0
$18,539
$0
$92,517
$0
$9,899
$282,150
11.46%
11.46%
$111,056

-
-

September
2008


F
21.2
-0.0004
-0.00
47.7%
0

Adequate
9.2%
10.5%
9.7%
$265,446
$233,484
$2,532,993


BB
BB
197.0
99.94
0.42
23.4


$123,043
3.54%
$233,484
1.9:1
$228,871
9.51%
1.86:1


$-7
$2,412,393
$2,317,608
$0
$80,154

$24,331

$79,345
$2,298,084
4.60%
4.75%

$2,067,098
$532,972
$0
$297,374
$90,000

3.73%
25.78%
38.15%

$34,245
$66,129
0.52:1
$54,674

$34,245
$20,614
$0
$0
$0
$28,497
$0
$4,605
$87,961
3.65%
3.65%
$28,497

-
-

June
2008


F
21.5
-0.0008
-0.01
47.2%
0

Adequate
8.8%
10.1%
9.4%
$263,498
$230,741
$2,608,536


BB
B
292.6
99.95
0.43
26.5


$116,237
-6.94%
$230,741
2.0:1
$230,725
9.37%
1.98:1


$-10
$2,466,969
$2,340,757
$0
$86,647

$24,598

$53,997
$2,340,351
4.61%
4.89%

$2,005,417
$238,687
$0
$451,209
$210,000

8.51%
11.90%
36.48%

$34,244
$55,607
0.62:1
$44,152

$34,244
$22,866
$0
$0
$0
$32,861
$0
$0
$89,971
3.65%
3.65%
$32,861

-
-

March
2008


A+
0.7
1.1855
10.65
43.5%
0

Adequate
10.3%
11.5%
11.1%
$286,115
$257,636
$2,492,745


AAA
AAA
0.0
0.00
0.39
32.7


$108,828
13.33%
$257,636
2.4:1
$257,863
11.15%
2.37:1


$6,868
$2,317,382
$2,214,733
$0
$61,455

$25,136

$28,310
$2,214,612
5.11%
5.29%

$1,711,000
$7,951
$0
$509,204
$326,000

14.07%
0.46%
36.38%

-
$10,809
-
$33,580

$0
$26,165
$0
$12,087
$0
$5,687
$0
$0
$43,939
1.90%
1.90%
$17,774

-
-

December
2007


A+
0.6
1.9537
16.90
45.5%
0

Adequate
10.7%
11.7%
11.6%
$274,243
$250,768
$2,349,915


AA
AA
3.6
87.31
0.37
35.3


$99,917
60.63%
$250,768
2.5:1
$250,917
11.59%
2.51:1


$42,410
$2,170,753
$2,055,106
$0
$54,494

$25,114

$116,038
$2,064,491
5.62%
5.93%

$1,740,337
$2,968
$0
$319,198
$135,000

6.22%
0.17%
21.06%

$741
$2,794
0.27:1
$22,771

$741
$21,440
$0
$8,525
$0
$2,000
$0
$0
$32,706
1.51%
1.51%
$10,525

-
-

September
2007


A+
0.6
2.0279
17.77
43.4%
0

Adequate
10.5%
11.5%
11.4%
$263,137
$240,393
$2,295,897


AAA
AAA
0.3
-88.00
0.35
37.9


$95,333
50.27%
$240,393
2.5:1
$240,428
11.44%
2.52:1


$32,035
$2,106,238
$1,979,881
$0
$51,933

$25,041

$87,018
$1,989,957
5.83%
6.01%

$1,694,934
$3,069
$0
$262,478
$150,000

7.12%
0.18%
19.73%

$50
$1,325
0.04:1
$21,993

$50
$891
$0
$12
$0
$0
$0
$0
$953
0.05%
0.05%
$12

-
-

June
2007


A+
0.6
2.1097
17.36
42.1%
0

Adequate
11.2%
12.2%
12.2%
$271,879
$250,035
$2,233,779


AAA
AAA
0.5
-88.00
0.38
38.6


$91,347
35.40%
$250,035
2.7:1
$249,786
12.18%
2.73:1


$21,677
$2,055,026
$1,913,599
$0
$49,697

$24,657

$57,217
$1,924,161
5.95%
5.99%

$1,643,878
$4,296
$0
$256,197
$140,000

6.81%
0.26%
19.49%

$50
$455
0.11:1
$21,123

$50
$4
$0
$13
$0
$0
$0
$0
$67
0.00%
0.00%
$13

-
-

March
2007


A+
0.6
2.1516
18.19
42.2%
0

Adequate
11.2%
12.2%
11.8%
$260,823
$239,245
$2,135,518


AAA
AAA
0.0
0.00
0.37
36.6


$87,658
18.37%
$239,245
2.7:1
$239,445
11.85%
2.73:1


$10,887
$2,023,940
$1,851,408
$0
$50,464

$25,556

$28,539
$1,861,291
6.13%
6.00%

$1,592,751
$4,106
$0
$293,135
$170,000

8.40%
0.26%
23.09%

-
$-9
-
$20,693

$0
$50
$0
$13
$0
$0
$0
$0
$63
0.00%
0.00%
$13

-
-

All CALL/TFR's file to identical calendars ending Dec-31. Quarterly values reported are cumulative thru the reporting year. Dollar data in thousands unless otherwise noted. Selected rates pre-computed by FDIC are factored according to criteria from the regulatory agency to derive annualized rates. Peering groups are dynamically generated each quarter based the bank unit being examined. See the quarterly for peer listings.
Lord, Whalen LLC dba Institutional Risk Analytics 371 Van Ness Way Suite 110 Torrance, California 90501 310.676.3300

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