Los Angeles, CA · Cert 23301
FDIC · 35 branches
Q2 2016
Market Position · Los Angeles-Long Beach-Anaheim, CA · 2016 SOD (annual) · 0.6% share · #22 of 125 inst. · $3.2B of $494.7B
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 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.64% | 1.64% | 1.79% | 1.44% | 1.19% | 1.24% | 1.18% | 1.50% | +6 bps | |
| Return on Equity | 12.05% | 12.38% | 13.79% | 11.34% | 9.67% | 10.29% | 9.51% | 11.89% | +55 bps | |
| Net Interest Margin | 4.00% | 3.78% | 3.57% | 3.54% | 3.40% | 3.47% | 3.45% | 3.44% | -10 bps | |
| Efficiency Ratio | 48.09% | 47.49% | 42.45% | 49.18% | 52.97% | 52.43% | 52.69% | 46.24% | -294 bps | |
| Non-Interest Burden | 1.44% | 1.33% | 0.71% | 1.21% | 1.42% | 1.44% | 1.49% | 0.99% | -22 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 39.09% | 14.80% | 21.50% | 24.72% | 20.38% | 13.42% | 6.97% | 6.46% | -1,826 bps | |
| Loan Growth (YoY) | 37.54% | 14.71% | 21.51% | 19.12% | 14.85% | 15.81% | 10.28% | 9.34% | -978 bps | |
| Deposit Growth (YoY) | 38.29% | 17.36% | 23.50% | 31.17% | 23.90% | 13.20% | 6.32% | 2.88% | -2,829 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 | -0.06% | 0.54% | 0.05% | -0.07% | -0.09% | -0.24% | 0.02% | -0.05% | +2 bps | |
| Allowance / Loans | 1.67% | 1.46% | 1.37% | 1.38% | 1.38% | 1.36% | 1.36% | 1.37% | -1 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 | 11.71% | 11.52% | 10.86% | 10.77% | 11.22% | 11.50% | -2 bps | |
| Total Risk-Based Capital | 15.06% | 14.97% | 14.47% | 14.90% | 13.95% | 13.51% | 13.91% | 14.22% | -68 bps | |
| Equity / Assets | 13.39% | 13.11% | 12.80% | 12.63% | 11.93% | 12.25% | 12.60% | 12.57% | -6 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 98.87% | 97.18% | 96.60% | 90.61% | 91.65% | 99.41% | 100.21% | 96.30% | +569 bps | |
| Liquid Assets / Assets | 2.74% | 4.00% | 6.57% | 8.92% | 9.14% | 1.01% | 1.13% | 4.32% | -460 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |