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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.60% | 1.61% | 1.79% | 1.61% | 1.47% | 1.41% | 1.18% | 1.34% | -27 bps | |
| Return on Equity | 11.83% | 11.97% | 13.79% | 12.55% | 11.64% | 11.28% | 9.51% | 10.72% | -184 bps | |
| Net Interest Margin | 3.92% | 3.67% | 3.57% | 3.47% | 3.38% | 3.33% | 3.45% | 3.43% | -4 bps | |
| Efficiency Ratio | 50.73% | 49.91% | 42.45% | 45.76% | 48.04% | 49.13% | 52.69% | 49.30% | +354 bps | |
| Non-Interest Burden | 1.49% | 1.37% | 0.71% | 0.94% | 1.09% | 1.15% | 1.49% | 1.24% | +29 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 | 0.02% | 0.15% | 0.05% | -0.01% | -0.04% | -0.09% | 0.02% | -0.01% | 0 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 |