Palm Desert, CA · Cert 34738
FDIC · 2 branches
Q3 2014
Market Position · Riverside-San Bernardino-Ontario, CA · 2014 SOD (annual) · 0.2% share · #30 of 51 inst. · $0.1B of $39.8B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.32% | -1.38% | -0.61% | -1.34% | 2.41% | -3.34% | -9.02% | 1.01% | +235 bps | |
| Return on Equity | -87.51% | -54.36% | -25.37% | -58.95% | 80.33% | -81.02% | -324% | 52.32% | +11,128 bps | |
| Net Interest Margin | 2.23% | 2.82% | 3.04% | 2.55% | 2.86% | 3.17% | 2.57% | 3.30% | +74 bps | |
| Efficiency Ratio | 163.41% | 145.60% | 117.84% | 207% | 105.11% | 193.48% | 410% | 174.18% | -3,295 bps | |
| Non-Interest Burden | 4.18% | 4.20% | 3.65% | 4.92% | 3.21% | 6.57% | 11.36% | 6.12% | +120 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -26.60% | -28.71% | -33.33% | -33.49% | -50.36% | -49.39% | -49.57% | -50.82% | -1,732 bps | |
| Loan Growth (YoY) | -32.86% | -33.12% | -35.12% | -37.68% | -51.31% | -51.98% | -49.47% | -45.65% | -797 bps | |
| Deposit Growth (YoY) | -21.05% | -21.18% | -25.93% | -28.14% | -50.66% | -50.78% | -49.98% | -51.60% | -2,346 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 | -0.52% | 0.76% | -0.57% | -0.24% | 8.21% | 0.19% | 1.19% | 0.25% | +49 bps | |
| Allowance / Loans | 4.83% | 4.95% | 5.71% | 5.84% | 5.40% | 5.77% | 5.86% | 4.34% | -150 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 | 6.20% | 5.90% | 6.19% | 5.93% | 9.34% | 8.41% | 4.51% | 5.03% | -89 bps | |
| Equity / Assets | 2.65% | 2.41% | 2.39% | 2.14% | 4.49% | 3.75% | 1.74% | 2.13% | -1 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 65.86% | 62.40% | 59.96% | 56.11% | 64.99% | 60.88% | 60.58% | 63.01% | +689 bps | |
| Liquid Assets / Assets | 23.45% | 26.44% | 28.57% | 32.59% | 18.77% | 22.27% | 22.36% | 19.63% | -1,296 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |