Covina, CA · Cert 35448
FDIC · 8 branches
Q4 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2014, the quarter ended December 31, 2014, 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.
Covina, CA · Cert 35448
FDIC · 8 branches
Q4 2014
Market Position · Los Angeles-Long Beach-Anaheim, CA · 2014 SOD (annual) · 0.1% share · #46 of 135 inst. · $0.6B of $404.0B
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 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.66% | 0.86% | 0.76% | 0.74% | 0.60% | 0.67% | 0.68% | 0.66% | -8 bps | |
| Return on Equity | 4.41% | 5.71% | 5.09% | 4.96% | 4.19% | 4.67% | 4.69% | 4.48% | -48 bps | |
| Net Interest Margin | 3.19% | 3.19% | 3.21% | 3.21% | 3.12% | 3.14% | 3.04% | 2.99% | -22 bps | |
| Efficiency Ratio | 67.69% | 71.88% | 73.43% | 73.93% | 72.54% | 73.75% | 73.01% | 73.75% | -18 bps | |
| Non-Interest Burden | 1.94% | 2.09% | 2.17% | 2.19% | 2.10% | 2.16% | 2.06% | 2.05% | -14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.58% | -6.02% | -8.80% | -3.94% | -2.40% | 1.36% | 3.44% | 0.97% | +490 bps | |
| Loan Growth (YoY) | 0.87% | -9.37% | -4.51% | -0.79% | 1.20% | 3.45% | -2.85% | -4.86% | -407 bps | |
| Deposit Growth (YoY) | -3.98% | -6.13% | -7.23% | -7.24% | -5.31% | -0.27% | 2.62% | 3.48% | +1,073 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 | 0.32% | -0.06% | -0.01% | 0.01% | 0.02% | 0.02% | -0.01% | 0.00% | -1 bps | |
| Allowance / Loans | 0.89% | 0.81% | 0.76% | 0.70% | 0.69% | 0.63% | 0.62% | 0.57% | -13 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 | 22.65% | 23.85% | 21.12% | 21.14% | 20.16% | 21.66% | 23.14% | 24.10% | +297 bps | |
| Equity / Assets | 15.02% | 15.53% | 14.52% | 14.35% | 14.44% | 14.39% | 14.86% | 15.05% | +70 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 106.29% | 105.90% | 111.81% | 113.04% | 113.60% | 109.85% | 105.84% | 103.93% | -911 bps | |
| Liquid Assets / Assets | 0.08% | 0.07% | 0.07% | 0.06% | 0.06% | 0.06% | 0.29% | 0.35% | +29 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |