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 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.13% | 0.27% | 0.18% | 0.04% | -2.32% | -245 bps | |
| Return on Equity | 1.20% | 2.55% | 1.68% | 0.42% | -23.38% | -2,458 bps | |
| Net Interest Margin | 2.48% | 2.42% | 2.58% | 2.52% | 2.39% | -9 bps | |
| Efficiency Ratio | 93.40% | 92.65% | 93.42% | 99.04% | 241% | +14,806 bps | |
| Non-Interest Burden | 2.30% | 2.22% | 2.39% | 2.48% | 5.88% | +358 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 20.22% | 14.31% | 20.59% | 9.93% | -5.40% | -2,563 bps | |
| Loan Growth (YoY) | 15.26% | 11.81% | 10.90% | -9.40% | -14.95% | -3,021 bps | |
| Deposit Growth (YoY) | 16.17% | 7.03% | 16.03% | 5.98% | -6.19% | -2,236 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.07% | 0.20% | 0.20% | 0.22% | 0.21% | +14 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.75% | 0.75% | 0.79% | 0.88% | 0.88% | +13 bps | |
| Allowance Coverage of NPLs | 11.5x | 3.8x | 3.9x | 4.1x | 4.2x | -7.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.20% | 9.71% | 9.84% | 9.54% | 8.89% | -131 bps | |
| Total Risk-Based Capital | 16.94% | 17.15% | 18.10% | 20.20% | 17.95% | +101 bps | |
| Equity / Assets | 10.05% | 10.39% | 10.11% | 10.26% | 9.57% | -47 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 128.01% | 133.80% | 123.29% | 113.92% | 116.06% | -1,195 bps | |
| Liquid Assets / Assets | 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 |