San Diego, CA · Cert 20852
FDIC · 98 branches
Q3 2015
Market Position · Los Angeles-Long Beach-Anaheim, CA · 2015 SOD (annual) · 1.0% share · #16 of 131 inst. · $4.4B of $439.1B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.09% | 0.80% | 0.90% | 0.92% | 0.86% | -23 bps | |
| Return on Equity | 7.84% | 5.76% | 6.60% | 6.85% | 6.48% | -136 bps | |
| Net Interest Margin | 3.54% | 3.57% | 3.51% | 3.59% | 3.33% | -21 bps | |
| Efficiency Ratio | 65.82% | 64.72% | 65.93% | 65.80% | 62.08% | -374 bps | |
| Non-Interest Burden | 2.13% | 2.12% | 2.05% | 2.05% | 1.77% | -36 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.44% | 3.82% | 4.09% | 6.93% | 7.29% | +385 bps | |
| Loan Growth (YoY) | 2.19% | -0.45% | -1.09% | -1.66% | 0.97% | -123 bps | |
| Deposit Growth (YoY) | 3.10% | 4.07% | 4.45% | 7.71% | 8.35% | +526 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.13% | 0.17% | 0.15% | -0.09% | 0.36% | +23 bps | |
| Allowance / Loans | 1.11% | 1.12% | 1.04% | 1.02% | 0.93% | -18 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | 10.82% | 10.75% | 10.51% | n/a | |
| Total Risk-Based Capital | 14.29% | 14.18% | 13.75% | 13.83% | 13.61% | -68 bps | |
| Equity / Assets | 13.91% | 13.69% | 13.51% | 13.24% | 13.21% | -70 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 89.88% | 87.96% | 86.26% | 83.41% | 83.75% | -613 bps | |
| Liquid Assets / Assets | 13.56% | 14.56% | 15.22% | 16.82% | 15.67% | +211 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |