Orange, CA · Cert 27539
FDIC · 1 branch
Q3 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2014, the quarter ended September 30, 2014, 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.
Orange, CA · Cert 27539
FDIC · 1 branch
Q3 2014
Market Position · Los Angeles-Long Beach-Anaheim, CA · 2014 SOD (annual) · 0.0% share · #116 of 135 inst. · $0.0B of $404.0B
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 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.11% | 1.96% | 1.86% | 1.83% | 1.80% | 1.54% | 1.46% | 1.41% | -42 bps | |
| Return on Equity | 11.46% | 12.80% | 11.59% | 10.94% | 10.37% | 7.29% | 6.60% | 5.96% | -498 bps | |
| Net Interest Margin | 5.01% | 4.64% | 4.83% | 4.98% | 4.82% | 4.40% | 4.44% | 4.67% | -30 bps | |
| Efficiency Ratio | 22.80% | 28.54% | 29.26% | 29.87% | 31.87% | 39.14% | 41.01% | 43.30% | +1,344 bps | |
| Non-Interest Burden | 1.14% | 1.32% | 1.41% | 1.49% | 1.53% | 1.72% | 1.82% | 2.02% | +54 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -20.07% | -27.25% | -25.85% | -28.20% | -28.58% | -25.55% | -28.18% | -34.69% | -650 bps | |
| Loan Growth (YoY) | -22.40% | -28.85% | -28.19% | -30.38% | -30.44% | -23.58% | -29.46% | -29.07% | +131 bps | |
| Deposit Growth (YoY) | -18.09% | -29.75% | -27.64% | -29.12% | -39.84% | -33.40% | -36.91% | -44.87% | -1,576 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 | 0.25% | 0.00% | 0.10% | 0.10% | 0.07% | -0.01% | 0.00% | -0.01% | -11 bps | |
| Allowance / Loans | 3.50% | 4.07% | 4.35% | 4.73% | 4.69% | 4.96% | 5.81% | 6.32% | +159 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 | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 16.68% | 19.71% | 21.25% | 24.01% | 25.30% | 26.81% | 31.09% | 35.12% | +1,111 bps | |
| Equity / Assets | 14.29% | 16.51% | 17.70% | 19.25% | 20.48% | 21.91% | 24.41% | 29.61% | +1,035 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 134.94% | 139.06% | 143.01% | 145.89% | 156.01% | 159.58% | 159.89% | 187.72% | +4,183 bps | |
| Liquid Assets / Assets | 7.01% | 10.17% | 8.53% | 8.92% | 9.05% | 7.11% | 12.29% | 1.75% | -717 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |