Redondo Beach, CA · Cert 33806
FDIC · 47 branches
Q1 2020
Market Position · Los Angeles-Long Beach-Anaheim, CA · 2019 SOD (annual) · 0.8% share · #21 of 119 inst. · $4.6B of $568.5B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.85% | 0.52% | -0.38% | 0.58% | 0.45% | 1.13% | 1.03% | -4.14% | -473 bps | |
| Return on Equity | 6.02% | 3.64% | -2.64% | 4.16% | 3.29% | 8.21% | 7.44% | -32.24% | -3,640 bps | |
| Net Interest Margin | 2.91% | 2.85% | 2.96% | 2.94% | 2.74% | 2.70% | 2.65% | 2.66% | -28 bps | |
| Efficiency Ratio | 66.70% | 69.90% | 81.99% | 71.33% | 71.73% | 61.91% | 60.78% | 64.22% | -711 bps | |
| Non-Interest Burden | 1.69% | 1.79% | 2.26% | 1.90% | 1.78% | 1.41% | 1.33% | 6.28% | +438 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.29% | 0.91% | -4.09% | 5.35% | 9.23% | 5.09% | 11.30% | 9.04% | +370 bps | |
| Loan Growth (YoY) | -2.79% | 1.96% | -0.15% | 4.45% | 15.69% | 12.44% | 14.24% | 9.68% | +523 bps | |
| Deposit Growth (YoY) | -6.35% | 1.24% | 0.13% | 0.29% | 4.88% | 2.11% | 8.84% | 10.38% | +1,009 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.80% | 0.88% | 0.55% | 0.43% | 0.36% | 0.13% | 0.10% | 0.10% | -33 bps | |
| Net Charge-Offs / Loans | 0.66% | 0.65% | 0.93% | -0.12% | 0.28% | 0.34% | 0.11% | -0.04% | +8 bps | |
| Allowance / Loans | 1.17% | 1.14% | 1.06% | 1.07% | 0.98% | 0.78% | 0.69% | 0.86% | -21 bps | |
| Allowance Coverage of NPLs | 1.5x | 1.3x | 1.9x | 2.5x | 2.7x | 6.1x | 6.8x | 8.9x | +6.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.85% | 9.89% | 9.69% | 9.86% | 9.30% | 9.70% | 9.70% | 9.64% | -22 bps | |
| Total Risk-Based Capital | 15.94% | 15.75% | 15.29% | 14.85% | 14.77% | 15.26% | 15.08% | 15.11% | +26 bps | |
| Equity / Assets | 14.36% | 14.02% | 14.49% | 13.63% | 13.51% | 13.94% | 13.75% | 12.00% | -163 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.37% | 83.87% | 86.70% | 89.81% | 94.17% | 92.36% | 91.00% | 89.24% | -57 bps | |
| Liquid Assets / Assets | 4.75% | 6.42% | 2.99% | 4.92% | 2.79% | 3.13% | 3.97% | 9.16% | +424 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |