Los Angeles, CA · Cert 30306
FDIC · 3 branches
Q1 2021
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2021, the quarter ended March 31, 2021, 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.
Los Angeles, CA · Cert 30306
FDIC · 3 branches
Q1 2021
Market Position · Los Angeles-Long Beach-Anaheim, CA · 2020 SOD (annual) · 0.0% share · #72 of 115 inst. · $0.3B of $676.0B
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 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.21% | 0.12% | 0.11% | 0.13% | 0.27% | 0.18% | 0.04% | -2.32% | -245 bps | |
| Return on Equity | 1.70% | 0.95% | 0.90% | 1.20% | 2.55% | 1.68% | 0.42% | -23.38% | -2,458 bps | |
| Net Interest Margin | 2.59% | 2.51% | 2.55% | 2.48% | 2.42% | 2.58% | 2.52% | 2.39% | -9 bps | |
| Efficiency Ratio | 97.71% | 99.68% | 96.63% | 93.40% | 92.65% | 93.42% | 99.04% | 241% | +14,806 bps | |
| Non-Interest Burden | 2.51% | 2.49% | 2.45% | 2.30% | 2.22% | 2.39% | 2.48% | 5.88% | +358 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.29% | -1.24% | 7.58% | 20.22% | 14.31% | 20.59% | 9.93% | -5.40% | -2,563 bps | |
| Loan Growth (YoY) | 3.28% | -3.11% | 9.96% | 15.26% | 11.81% | 10.90% | -9.40% | -14.95% | -3,021 bps | |
| Deposit Growth (YoY) | 8.87% | 0.32% | 5.88% | 16.17% | 7.03% | 16.03% | 5.98% | -6.19% | -2,236 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.19% | 0.19% | 0.11% | 0.07% | 0.20% | 0.20% | 0.22% | 0.21% | +14 bps | |
| Net Charge-Offs / Loans | -0.10% | -0.07% | -0.06% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.73% | 0.77% | 0.79% | 0.75% | 0.75% | 0.79% | 0.88% | 0.88% | +13 bps | |
| Allowance Coverage of NPLs | 3.8x | 4.0x | 7.5x | 11.5x | 3.8x | 3.9x | 4.1x | 4.2x | -7.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.83% | 11.74% | 11.56% | 10.20% | 9.71% | 9.84% | 9.54% | 8.89% | -131 bps | |
| Total Risk-Based Capital | 19.86% | 20.57% | 18.29% | 16.94% | 17.15% | 18.10% | 20.20% | 17.95% | +101 bps | |
| Equity / Assets | 12.03% | 12.39% | 11.55% | 10.05% | 10.39% | 10.11% | 10.26% | 9.57% | -47 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 128.08% | 129.00% | 133.26% | 128.01% | 133.80% | 123.29% | 113.92% | 116.06% | -1,195 bps | |
| Liquid Assets / Assets | 4.54% | 5.03% | 3.35% | 10.03% | 7.92% | 13.74% | 19.72% | 18.32% | +829 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |