Carson, CA · Cert 27477
FDIC · 1 branch
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.
Carson, CA · Cert 27477
FDIC · 1 branch
Q2 2018
Market Position · Los Angeles-Long Beach-Anaheim, CA · 2017 SOD (annual) · 0.0% share · #112 of 125 inst. · $0.0B of $526.9B
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 | -4.16% | -15.95% | -15.30% | -22.55% | -23.44% | -24.07% | -42.90% | -15.84% | +671 bps | |
| Return on Equity | -16.11% | -65.88% | -99.45% | -159.59% | -174.08% | -176.12% | -211% | -56.76% | +10,284 bps | |
| Net Interest Margin | 1.43% | 1.54% | 2.05% | 2.44% | 3.16% | 8.60% | 2.19% | 7.77% | +533 bps | |
| Efficiency Ratio | 160.13% | 287% | 405% | n/a | n/a | n/a | 2057% | 60.00% | n/a | |
| Non-Interest Burden | 8.41% | 23.16% | 17.68% | 32.46% | 38.74% | 116.49% | 45.09% | 4.66% | -2,780 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -14.68% | -21.48% | -45.67% | -49.74% | -68.34% | -91.15% | -93.94% | -97.64% | -4,789 bps | |
| Loan Growth (YoY) | -32.03% | -29.76% | -34.04% | -34.95% | -99.96% | -100.00% | -100.00% | -100.00% | -6,505 bps | |
| Deposit Growth (YoY) | -14.04% | -26.58% | -44.81% | -48.31% | -67.38% | -100.00% | -100.00% | -100.00% | -5,169 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 4.46% | 5.11% | 0.00% | n/a | n/a | n/a | n/a | |
| Net Charge-Offs / Loans | -3.48% | -2.49% | -5.02% | -7.28% | -20533% | n/a | n/a | n/a | n/a | |
| Allowance / Loans | 10.82% | 5.90% | 8.10% | 0.26% | 0.00% | n/a | n/a | n/a | n/a | |
| Allowance Coverage of NPLs | n/a | n/a | 1.8x | 0.1x | n/a | n/a | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 25.49% | 15.02% | 13.87% | 9.16% | 6.30% | 12.34% | 16.23% | 36.96% | +2,780 bps | |
| Total Risk-Based Capital | 88.48% | 46.12% | 43.85% | 26.94% | 43.40% | 108.39% | 98.26% | 226% | +19,903 bps | |
| Equity / Assets | 27.03% | 15.78% | 14.90% | 10.49% | 9.07% | 20.14% | 20.69% | 98.54% | +8,805 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 27.17% | 32.78% | 29.86% | 34.47% | 0.03% | n/a | n/a | n/a | n/a | |
| Liquid Assets / Assets | 37.89% | 38.92% | 28.91% | 19.62% | 55.81% | 0.00% | 0.00% | 0.00% | -1,962 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |