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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.31% | -2.13% | -0.09% | 1.02% | 2.53% | 5.76% | -0.37% | 1.17% | +15 bps | |
| Return on Equity | 10.83% | -17.82% | -0.78% | 8.34% | 19.28% | 42.97% | -2.69% | 8.41% | +7 bps | |
| Net Interest Margin | 2.09% | 2.09% | 2.59% | 2.61% | 2.67% | 2.57% | 2.52% | 2.47% | -14 bps | |
| Efficiency Ratio | 64.64% | n/a | 110.34% | 65.53% | 42.12% | 21.91% | 123.35% | 68.60% | +307 bps | |
| Non-Interest Burden | 0.46% | 4.93% | 2.62% | 1.26% | -0.56% | -5.02% | 3.16% | 1.08% | -18 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 35.56% | 32.27% | 45.36% | 34.76% | 24.18% | 29.29% | 16.48% | 16.34% | -1,842 bps | |
| Loan Growth (YoY) | 13.00% | 10.90% | 37.57% | 33.33% | 26.20% | 32.28% | 5.99% | 8.96% | -2,438 bps | |
| Deposit Growth (YoY) | 24.50% | 40.33% | 35.74% | 36.76% | 26.39% | 26.33% | 6.78% | -0.48% | -3,724 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.04% | 0.04% | 0.03% | 0.02% | 0.02% | 0.01% | 0.01% | 0.00% | -2 bps | |
| Net Charge-Offs / Loans | -0.12% | 0.00% | -0.05% | 0.00% | 0.00% | 0.00% | 0.00% | -0.08% | -8 bps | |
| Allowance / Loans | 1.17% | 1.27% | 1.13% | 1.15% | 1.19% | 1.12% | 1.10% | 1.11% | -4 bps | |
| Allowance Coverage of NPLs | 27.8x | 30.8x | 38.3x | 49.8x | 70.2x | 79.0x | 90.4x | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.54% | 8.22% | 8.14% | 8.82% | 9.14% | 8.84% | 8.95% | 9.00% | +19 bps | |
| Total Risk-Based Capital | 19.87% | 20.43% | 19.70% | 22.24% | 22.53% | 21.73% | 22.00% | 21.32% | -92 bps | |
| Equity / Assets | 11.79% | 12.15% | 11.70% | 12.79% | 13.40% | 13.42% | 13.85% | 14.04% | +125 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 50.00% | 46.00% | 53.18% | 51.22% | 49.92% | 48.17% | 52.79% | 56.08% | +486 bps | |
| Liquid Assets / Assets | 20.57% | 21.12% | 19.67% | 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 | n/a | n/a | n/a |