371 Van Ness Way, Suite 110
Torrance, California 90501
310.676.3300
[email protected]
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371 Van Ness Way, Suite 110 Torrance, California 90501 310.676.3300 [email protected] |
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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. |
| 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 | 2010 3 23.0 23.5 8.4 | 2010 3 23.0 22.6 7.8 | 2009 3 23.4 24.4 7.5 | 2009 3 23.1 20.3 8.4 | 2009 3 22.8 22.3 8.0 | 2009 7 1.6 13.5 8.2 | 2008 4 20.9 9.8 10.2 | 2008 4 20.6 5.7 8.5 | 2008 8 1.3 4.9 9.2 | 2008 8 1.1 3.0 5.5 | 2007 8 0.8 1.8 7.1 | 2007 8 0.8 1.7 7.3 |
| 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 | 2010 F 23.0 -0.0026 -0.14 139.7% 0 Fail 2.3% 3.5% 1.7% $16,500 $10,498 $466,124 B CCC 503.5 92.74 1.70 10.3 $71,639 -18.93% $10,498 0.1:1 $64,317 10.53% 0.90:1 $-8 $619,374 $473,396 $0 $16,690 $41,392 $5,866 $564,771 2.08% 1.87% $550,891 $98,193 $0 $167,322 $51,945 8.39% 17.82% 51.25% $11,917 $5,700 2.09:1 $20,056 $11,917 $5,744 $0 $0 $0 $102,568 $0 $25,611 $145,840 23.55% 23.55% $102,568 - - | 2010 F 23.0 -0.0029 -0.14 146.6% 0 Fail 2.8% 4.1% 2.0% $19,980 $13,613 $492,531 B CCC 516.3 88.57 1.74 10.5 $75,362 -9.41% $13,613 0.2:1 $72,167 10.72% 0.96:1 $-5 $681,991 $507,185 $0 $16,883 $59,283 $2,777 $635,361 1.75% 1.69% $610,142 $147,986 $0 $164,274 $52,975 7.77% 24.25% 53.55% $6,546 $3,700 1.77:1 $23,310 $6,546 $7,813 $0 $0 $0 $121,938 $0 $17,727 $154,024 22.58% 22.58% $121,938 - - | 2009 F 23.4 -0.0058 -0.24 135.1% 0 Fail 3.4% 4.7% 2.5% $24,769 $17,977 $524,797 B CCC 697.9 99.60 1.71 11.0 $77,568 -56.24% $17,977 0.2:1 $79,427 11.17% 1.02:1 $-42 $719,807 $537,160 $0 $20,956 $99,112 $13,702 $677,540 2.02% 1.84% $643,088 $158,007 $0 $164,951 $54,004 7.50% 24.57% 52.37% $37,487 $39,712 0.94:1 $25,407 $37,487 $6,689 $0 $0 $0 $121,951 $0 $9,315 $175,442 24.37% 24.37% $121,951 - - | 2009 F 23.1 -0.0056 -0.15 133.4% 0 Fail 4.8% 6.1% 3.4% $34,321 $27,045 $564,963 B CCC 653.7 99.83 1.67 10.8 $72,534 -45.69% $27,045 0.4:1 $80,785 10.40% 1.11:1 $-33 $786,443 $572,349 $0 $20,247 $85,749 $10,359 $746,318 1.85% 1.81% $680,811 $189,100 $0 $183,232 $66,034 8.40% 27.78% 55.74% $28,061 $29,353 0.96:1 $24,374 $28,061 $8,092 $0 $0 $0 $115,856 $0 $7,869 $159,878 20.33% 20.33% $115,856 - - | 2009 F 22.8 -0.0048 -0.10 109.7% 0 Warn 6.3% 7.5% 4.6% $46,598 $38,672 $618,489 B CCC 629.2 99.98 1.57 12.0 $67,094 -31.88% $38,672 0.6:1 $78,401 9.49% 1.17:1 $-20 $835,679 $626,123 $0 $19,143 $103,376 $7,811 $794,872 1.97% 2.03% $724,819 $243,473 $0 $164,448 $67,064 8.03% 33.59% 56.84% $19,699 $20,197 0.98:1 $23,534 $19,699 $50,433 $0 $0 $0 $106,897 $0 $9,666 $186,695 22.34% 22.34% $106,897 $27,960 16,666 | 2009 B 1.6 0.1923 2.59 79.3% 0 Adequate 8.8% 10.1% 7.2% $68,968 $60,214 $685,994 BBB A 28.1 99.59 1.65 13.6 $9,069 2.45% $60,214 6.6:1 $81,627 9.89% 9.00:1 $401 $834,070 $688,397 $0 $18,910 $77,800 $4,413 $743,096 2.38% 2.34% $700,498 $168,241 $0 $170,800 $68,094 8.16% 24.02% 48.81% $483 $552 0.88:1 $23,104 $483 $37,649 $0 $816 $0 $67,084 $0 $6,417 $112,449 13.48% 13.48% $67,900 $11,970 57,617 | 2008 F 20.9 -0.0008 -0.01 87.1% 0 Adequate 9.4% 10.7% 7.9% $76,299 $67,278 $712,700 BB BB 75.9 99.46 1.58 14.4 $9,277 -37.75% $67,278 7.3:1 $61,114 7.52% 6.59:1 $-7 $850,572 $709,287 $0 $22,526 $81,662 $20,837 $772,947 2.70% 2.84% $650,569 $150,187 $0 $162,822 $86,364 10.15% 23.09% 46.95% $5,382 $15,460 0.35:1 $18,033 $5,382 $29,334 $0 $0 $0 $42,267 $0 $6,510 $83,493 9.82% 9.82% $42,267 $16,048 47,544 | 2008 F 20.6 -0.0002 -0.00 79.5% 0 Adequate 10.2% 11.5% 8.7% $83,421 $74,285 $726,770 BBB AA 13.9 96.24 1.37 16.9 $2,459 92.55% $74,285 30.2:1 $65,259 7.97% 26.54:1 $-1 $856,043 $714,246 $0 $18,921 $72,538 $16,298 $773,597 2.81% 3.00% $645,353 $160,650 $0 $153,313 $72,753 8.50% 24.89% 45.17% $745 $6,028 0.12:1 $13,237 $745 $7,830 $0 $1,846 $0 $30,541 $0 $8,054 $49,016 5.73% 5.73% $32,387 $12,758 65,387 | 2008 A 1.3 0.3290 2.67 75.5% 0 Adequate 10.2% 11.4% 8.9% $85,713 $76,979 $751,621 BBB A 17.5 95.71 1.58 17.6 $2,420 75.28% $76,979 31.8:1 $67,771 8.22% 28.00:1 $1,417 $861,411 $718,040 $0 $19,879 $74,916 $10,871 $784,359 2.77% 3.07% $669,787 $164,771 $0 $174,571 $78,959 9.17% 24.60% 48.56% $630 $1,410 0.45:1 $8,734 $630 $14,789 $0 $8 $0 $18,889 $0 $8,142 $42,458 4.93% 4.93% $18,897 $15,027 57,039 | 2008 A 1.1 0.3973 3.16 73.9% 0 Adequate 10.3% 11.4% 9.0% $84,656 $76,256 $741,228 AAA AAA 0.9 -50.00 1.57 24.2 $2,466 47.00% $76,256 30.9:1 $74,215 9.12% 30.09:1 $845 $850,717 $717,177 $0 $17,115 $68,365 $4,996 $777,557 2.57% 2.99% $673,803 $139,505 $0 $163,389 $46,494 5.47% 20.70% 41.07% $16 $466 0.03:1 $8,400 $16 $4,192 $0 $210 $0 $18,573 $0 $2,305 $25,296 2.97% 2.97% $18,783 - - | 2007 A+ 0.8 0.7992 9.97 62.7% 0 Adequate 9.7% 10.7% 8.0% $52,137 $47,186 $486,387 A AA 5.1 96.00 1.37 23.4 $1,811 417.18% $47,186 26.1:1 $44,603 7.61% 24.63:1 $4,709 $589,250 $494,093 $0 $12,749 $70,530 $18,355 $559,687 3.28% 3.59% $488,041 $88,707 $0 $106,176 $41,690 7.08% 18.18% 40.15% $250 $1,396 0.18:1 $4,951 $250 $875 $0 $1 $0 $7,000 $0 $2,320 $10,446 1.77% 1.77% $7,001 - - | 2007 A+ 0.8 0.7878 9.97 61.0% 0 Adequate 9.8% 10.8% 8.0% $50,656 $45,875 $466,977 A AA 6.6 95.78 1.43 25.2 $1,750 334.04% $45,875 26.2:1 $43,256 7.61% 24.72:1 $3,401 $575,596 $476,159 $0 $11,753 $75,230 $13,570 $546,632 3.31% 3.63% $469,804 $82,391 $0 $197,397 $41,887 7.28% 17.54% 55.89% $237 $1,213 0.20:1 $4,781 $237 $1,284 $0 $10 $0 $6,100 $0 $1,911 $9,542 1.66% 1.66% $6,110 - - |
| 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. |
