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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.30% | 1.09% | 0.99% | 1.15% | 0.98% | -33 bps | |
| Return on Equity | 13.15% | 10.33% | 9.12% | 10.15% | 8.16% | -498 bps | |
| Net Interest Margin | 3.33% | 3.30% | 3.33% | 3.02% | 2.96% | -37 bps | |
| Efficiency Ratio | 54.11% | 58.98% | 62.27% | 58.18% | 59.63% | +553 bps | |
| Non-Interest Burden | 1.55% | 1.77% | 1.92% | 1.50% | 1.61% | +5 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 | 0.21% | 0.01% | 0.10% | -0.05% | 0.02% | -19 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 |