Rancho Santa Margarita, CA · Cert 35069
FDIC · 4 branches
Q1 2020
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2020, the quarter ended March 31, 2020, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Rancho Santa Margarita, CA · Cert 35069
FDIC · 4 branches
Q1 2020
Market Position · Los Angeles-Long Beach-Anaheim, CA · 2019 SOD (annual) · 0.0% share · #81 of 119 inst. · $0.2B of $568.5B
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 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.17% | 1.01% | 0.99% | 0.70% | 0.70% | 4.09% | 3.09% | -1.27% | -197 bps | |
| Return on Equity | 11.49% | 9.99% | 9.84% | 7.19% | 7.55% | 41.50% | 30.49% | -11.36% | -1,855 bps | |
| Net Interest Margin | 3.71% | 3.65% | 3.59% | 3.79% | 3.73% | 3.64% | 3.59% | 3.72% | -7 bps | |
| Efficiency Ratio | 76.99% | 79.88% | 80.13% | 85.45% | 84.30% | 82.77% | 83.32% | 134.47% | +4,902 bps | |
| Non-Interest Burden | 2.75% | 2.83% | 2.80% | 3.19% | 3.09% | 2.89% | 2.87% | 5.02% | +183 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.92% | 9.90% | 15.48% | 12.58% | 32.46% | 16.93% | 19.98% | 7.86% | -472 bps | |
| Loan Growth (YoY) | 17.00% | 14.28% | 19.78% | 19.62% | 24.78% | 23.83% | 12.69% | 15.39% | -424 bps | |
| Deposit Growth (YoY) | 1.85% | 9.86% | 12.94% | 11.99% | 32.71% | 12.15% | 19.04% | 3.72% | -827 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.02% | 0.02% | 0.00% | 0.00% | 0.00% | 0.00% | 0.03% | 0.79% | +79 bps | |
| Net Charge-Offs / Loans | -0.08% | -0.08% | -0.07% | -0.07% | -0.05% | -0.05% | -0.04% | 0.03% | +10 bps | |
| Allowance / Loans | 1.86% | 1.78% | 1.56% | 1.60% | 1.47% | 1.43% | 1.38% | 1.42% | -18 bps | |
| Allowance Coverage of NPLs | 86.5x | 108.3x | 1240.0x | 2480.0x | 2480.0x | n/a | 46.7x | 1.8x | -2478.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.45% | 10.31% | 10.08% | 9.70% | 9.33% | 9.21% | 9.07% | 9.23% | -47 bps | |
| Total Risk-Based Capital | 14.21% | 13.66% | 12.78% | 12.95% | 11.91% | 12.08% | 11.97% | 9.23% | -371 bps | |
| Equity / Assets | 10.50% | 9.75% | 9.95% | 9.50% | 8.54% | 11.45% | 11.15% | 11.24% | +173 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.41% | 80.35% | 93.65% | 82.90% | 80.31% | 88.71% | 88.65% | 92.23% | +932 bps | |
| Liquid Assets / Assets | 11.14% | 12.97% | 5.79% | 9.97% | 7.98% | 8.29% | 7.70% | 5.11% | -486 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |