Long Beach, CA · Cert 25648
FDIC · 1 branch
Q3 2021
Market Position · Los Angeles-Long Beach-Anaheim, CA · 2021 SOD (annual) · 0.0% share · #75 of 116 inst. · $0.3B of $767.5B
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 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.32% | 0.45% | 5.76% | 2.63% | 2.13% | +246 bps | |
| Return on Equity | -2.65% | 3.59% | 42.97% | 19.41% | 15.60% | +1,824 bps | |
| Net Interest Margin | 2.32% | 2.35% | 2.57% | 2.49% | 2.43% | +11 bps | |
| Efficiency Ratio | 132.41% | 85.28% | 21.91% | 42.52% | 50.19% | -8,222 bps | |
| Non-Interest Burden | 2.65% | 1.82% | -5.02% | -0.80% | -0.16% | -281 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 34.76% | 24.18% | 29.29% | 16.48% | 16.34% | -1,842 bps | |
| Loan Growth (YoY) | 33.33% | 26.20% | 32.28% | 5.99% | 8.96% | -2,438 bps | |
| Deposit Growth (YoY) | 36.76% | 26.39% | 26.33% | 6.78% | -0.48% | -3,724 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.02% | 0.02% | 0.01% | 0.01% | 0.00% | -2 bps | |
| Net Charge-Offs / Loans | -0.02% | -0.02% | 0.00% | 0.00% | -0.03% | -1 bps | |
| Allowance / Loans | 1.15% | 1.19% | 1.12% | 1.10% | 1.11% | -4 bps | |
| Allowance Coverage of NPLs | 49.8x | 70.2x | 79.0x | 90.4x | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.82% | 9.14% | 8.84% | 8.95% | 9.00% | +19 bps | |
| Total Risk-Based Capital | 22.24% | 22.53% | 21.73% | 22.00% | 21.32% | -92 bps | |
| Equity / Assets | 12.79% | 13.40% | 13.42% | 13.85% | 14.04% | +125 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 51.22% | 49.92% | 48.17% | 52.79% | 56.08% | +486 bps | |
| Liquid Assets / Assets | 19.63% | 19.24% | 17.89% | 17.41% | 17.15% | -248 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |