Newport Beach, CA · Cert 34940
FDIC · 5 branches
Q3 2021
Market Position · Los Angeles-Long Beach-Anaheim, CA · 2021 SOD (annual) · 0.2% share · #38 of 116 inst. · $1.3B of $767.5B
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 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.47% | 0.63% | 0.99% | 1.07% | 1.04% | +57 bps | |
| Return on Equity | 4.62% | 6.09% | 9.12% | 9.63% | 9.13% | +451 bps | |
| Net Interest Margin | 3.05% | 3.33% | 3.33% | 3.15% | 3.16% | +11 bps | |
| Efficiency Ratio | 61.40% | 60.80% | 62.27% | 60.23% | 60.05% | -135 bps | |
| Non-Interest Burden | 1.73% | 1.87% | 1.92% | 1.69% | 1.70% | -3 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 12.50% | 12.15% | -1.23% | -8.97% | -7.86% | -2,036 bps | |
| Loan Growth (YoY) | 9.92% | 8.48% | 8.45% | -18.67% | -23.30% | -3,322 bps | |
| Deposit Growth (YoY) | 15.52% | 15.11% | 6.55% | -6.52% | -8.34% | -2,386 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.60% | 3.72% | 1.65% | 2.15% | 2.21% | +62 bps | |
| Net Charge-Offs / Loans | 0.54% | 0.42% | 0.10% | 0.03% | 0.03% | -51 bps | |
| Allowance / Loans | 1.37% | 1.42% | 1.38% | 1.55% | 1.75% | +39 bps | |
| Allowance Coverage of NPLs | 0.9x | 0.4x | 0.8x | 0.7x | 0.8x | -0.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.49% | 10.69% | 11.21% | 11.34% | 11.98% | +249 bps | |
| Total Risk-Based Capital | 15.98% | 15.81% | 16.75% | 17.98% | 19.05% | +307 bps | |
| Equity / Assets | 10.31% | 10.78% | 11.02% | 11.68% | 12.28% | +198 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 90.85% | 88.34% | 89.66% | 83.10% | 76.02% | -1,483 bps | |
| Liquid Assets / Assets | 16.37% | 17.45% | 15.79% | 22.75% | 29.35% | +1,298 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |