San Diego, CA · Cert 35354
FDIC · 7 branches
Q1 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2015, the quarter ended March 31, 2015, 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.
San Diego, CA · Cert 35354
FDIC · 7 branches
Q1 2015
Market Position · San Diego-Carlsbad, CA · 2014 SOD (annual) · 0.0% share · #48 of 52 inst. · $0.0B of $69.2B
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 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.20% | 0.44% | 1.86% | -0.60% | -0.54% | -0.28% | -0.58% | 1.15% | +175 bps | |
| Return on Equity | 0.71% | 1.51% | 6.33% | -1.95% | -1.71% | -0.85% | -1.77% | 3.18% | +513 bps | |
| Net Interest Margin | 1.23% | 1.33% | 1.44% | 1.76% | 1.71% | 1.91% | 2.15% | 2.40% | +64 bps | |
| Efficiency Ratio | 97.35% | 94.90% | 95.97% | 104.85% | 104.85% | 100.49% | 104.11% | 87.56% | -1,729 bps | |
| Non-Interest Burden | 0.79% | 0.46% | 0.75% | 2.55% | 2.48% | 1.99% | 2.85% | 0.47% | -208 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.94% | -0.56% | -5.59% | -1.74% | -4.47% | -11.17% | -12.45% | -17.31% | -1,556 bps | |
| Loan Growth (YoY) | -1.99% | 12.19% | 62.35% | 38.41% | 45.22% | 66.85% | 43.38% | 22.26% | -1,615 bps | |
| Deposit Growth (YoY) | -8.98% | -1.19% | -8.63% | -2.33% | -6.18% | -18.25% | -16.81% | -25.82% | -2,349 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 | 1.01% | 1.30% | 1.21% | 0.42% | 0.22% | 0.33% | 0.44% | 0.68% | +26 bps | |
| Allowance / Loans | 3.09% | 2.40% | 1.78% | 1.78% | 1.62% | 1.57% | 1.43% | 1.44% | -34 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 | 36.71% | n/a | n/a |
| Total Risk-Based Capital | 93.23% | 88.63% | 93.00% | 89.09% | 83.19% | 72.80% | 74.54% | 81.89% | -720 bps | |
| Equity / Assets | 29.39% | 30.34% | 30.87% | 30.95% | 32.44% | 35.83% | 34.82% | 37.42% | +647 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 33.50% | 39.35% | 42.83% | 44.24% | 51.85% | 80.32% | 73.82% | 72.91% | +2,867 bps | |
| Liquid Assets / Assets | 28.55% | 24.29% | 27.68% | 25.33% | 21.22% | 1.47% | 4.70% | 11.08% | -1,425 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |