Pasadena, CA · Cert 24315
FDIC · 17 branches
Q2 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2018, the quarter ended June 30, 2018, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Pasadena, CA · Cert 24315
FDIC · 17 branches
Q2 2018
Market Position · Los Angeles-Long Beach-Anaheim, CA · 2018 SOD (annual) · 0.4% share · #28 of 121 inst. · $2.3B of $536.2B
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 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.84% | 0.75% | 0.86% | 0.88% | 0.95% | 0.72% | 0.86% | 0.85% | -3 bps | |
| Return on Equity | 9.16% | 8.16% | 9.39% | 9.59% | 10.26% | 7.77% | 9.12% | 8.99% | -60 bps | |
| Net Interest Margin | 3.22% | 3.25% | 3.07% | 3.14% | 3.16% | 3.17% | 3.37% | 3.36% | +22 bps | |
| Efficiency Ratio | 59.14% | 61.11% | 62.92% | 59.15% | 60.24% | 61.41% | 64.05% | 61.67% | +251 bps | |
| Non-Interest Burden | 1.73% | 1.84% | 1.85% | 1.74% | 1.80% | 1.85% | 2.07% | 1.98% | +24 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.91% | 0.98% | -0.77% | 3.15% | 5.75% | 4.53% | 2.63% | -0.94% | -410 bps | |
| Loan Growth (YoY) | 7.80% | 2.74% | -0.81% | 4.33% | 7.41% | 9.84% | 9.86% | 5.12% | +79 bps | |
| Deposit Growth (YoY) | -1.73% | 3.57% | -0.64% | 1.17% | 6.99% | 6.65% | 6.72% | 4.30% | +313 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.60% | 0.46% | 0.15% | 0.33% | 0.36% | 0.38% | -8 bps | |
| Net Charge-Offs / Loans | 0.21% | 0.33% | 0.02% | -0.02% | -0.24% | -0.17% | 0.00% | 0.08% | +10 bps | |
| Allowance / Loans | 1.43% | 1.41% | 1.33% | 1.31% | 1.32% | 1.29% | 1.30% | 1.34% | +2 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 2.2x | 2.9x | 8.9x | 3.9x | 3.6x | 3.5x | +0.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.17% | 9.36% | 9.35% | 9.39% | 9.50% | 9.43% | 9.66% | 9.88% | +50 bps | |
| Total Risk-Based Capital | 12.11% | 12.08% | 12.21% | 12.11% | 12.29% | 12.04% | 12.26% | 12.50% | +39 bps | |
| Equity / Assets | 9.66% | 9.14% | 9.26% | 9.25% | 9.53% | 9.40% | 9.41% | 9.53% | +28 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.23% | 93.01% | 95.11% | 96.46% | 93.59% | 95.79% | 97.91% | 97.22% | +76 bps | |
| Liquid Assets / Assets | 0.10% | 0.42% | 0.53% | 0.60% | 0.27% | 0.33% | 0.35% | 0.62% | +2 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |